19 James St
Waterloo, Ontario N2J 2S8
- Bedrooms
- 11
- Bathrooms
- 4
- Size
- 2,500–3,000sq ft
- Per sq ft
- $455at the range’s middle
- Lot
- Under 0.50 acres
- Tax a year
- $6,6742026 tax year
- Built
- 31-50
- Parking
- 6none
- Days on market
- Members
The brief
About 19 James St
19 James St is an 11-bedroom, 4-bathroom triplex in Waterloo, listed for sale at an asking price of $1,249,900 (MLS® X14092196).
$91,000+ Gross Annual Income Available Here! Rare University District Triplex with Strong Income and Future Upside! Opportunities like this are increasingly difficult to find in Waterloo's highly sought-after rental market. Located on a cul-de-sac that is about a one minute walk to Wilfrid Laurier University's Science Building and a quick e-scooter ride to University of Waterloo, this Money Maker is also in close proximity to all amenities that make Waterloo great (Uptown Waterloo with its boutiques and bars). This City approved, rental licensed building offers investors an exceptional combination of location, income, and long-term potential. The property features three self-contained units with a desirable mix of two 3-bedroom units and one 5-bedroom unit, for a total of 11 bedrooms. Combining the charm and character of a century home with a purpose built addition, this property features spacious layouts, generous bedroom sizes, in-suite laundry, and ample on-site parking for up to six vehicles - note both the independent driveway as well as surface parking. With strong Day One cash flow, future turnover may offer investors opportunities to further optimize rents and improve returns. Separate hydro and gas meters create additional expense-management possibilities. At the property, look up and note the institutional-quality developments across the street and at the corner. The property's RMU-30 zoning while being surrounded by undeveloped homes may also merit future consideration for redevelopment or intensification. I have owned property on this street - and you should too. Whether you're an experienced investor looking to expand your portfolio, a first-time multi-residential buyer seeking a foothold in Waterloo's resilient rental market, or a parent investor planning ahead for university housing needs (send your kid to school and make money), 19 James Street presents a compelling opportunity in one of the City's most desirable locations.
Insights
Condition Score
Good68/1006 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $6,674 / 2026
- MLS® number
- X14092196
- Board
- TRREB MLS®
- Property Type
- Triplex
- Building Age
- 31-50
- Days on market
- Size
- 2500-3000 sqft
- Lot Size
- 60 x 108 ft
- Listed on
- Parking
- None, 6 Parking
Property details
Property
- Property Type
- Triplex
- Style
- Other
- Municipality
- Waterloo
Building
- Size
- 2500-3000 sqft
- Building Age
- 31-50
- Construction
- Brick
Inside
- Bedrooms
- 11
- Bathrooms
- 4
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc 2nd, 1 × 4pc 2nd, 1 × 3pc Bsmt
- Basement Type
- Partly Finished
- Kitchens
- 3
Parking
- Driveway
- Pvt Double, Other
- Garage Type
- None
- Additional Parking
- 6
- Total Parking
- 6
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 60 ft
- Depth
- 108 ft
- Lot Size
- 60 x 108 ft
Additional
- Foundation
- Concrete, Stone
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- 4 fridges, 3 stoves, 3 washing machines, 3 dryers
Rooms
Room details unavailable
The listing source did not provide room-level measurements or features.
Listing history
Buy/sell history for 19 James St, Waterloo, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $1,249,900 | N/A | For Sale | X14092196 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $249,980
- Total mortgage amount
- $999,920
- Total interest payment
- $710,980
- Total purchase cost
- $1,960,880
- Mortgage payment
- $5,703/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$6,259- Rent $0
- Shortfall $6,259
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $21,473
- Total land transfer tax
- $21,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $17,473
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $1,249,900
- $16,998
- Ontario total
- $21,473
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 6,480 sq ft602 m²
- Street frontage
- 60 ft18.3 m
- Depth
- 108 ft32.9 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m16 test or monitoring holes also recorded.250 m
- Groundwater recorded about 1.5 m below ground nearbyThe middle water level in the well records within 500 m (104 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity1
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
Province of Ontario open data
Around the home2
- Nearest rail line: 870 m870 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Regional Municipality of Waterloo — Waterloo Wastewater Treatment Plant, 2.1 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Enova Power Corp.At the address
- Wired internet 50/10 Mbps or faster is listed at a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, CIK Telecom, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Waterloo Wireless, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Market area · filters apply to the charts below
The street
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Waterloo Public Square | GRT light rail: ION light rail | 900 m |
| Laurier - Waterloo Park | GRT light rail: ION light rail | 1 km |
| Willis Way | GRT light rail: ION light rail | 1.1 km |
| Allen | GRT light rail: ION light rail | 1.4 km |
| Kitchener GO | GO Transit train: Kitchener | 3 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx; GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| École élémentaire L'HarmonieConseil scolaire Viamonde | French-language public · grades JK–8 | 1.2 km | 84%Grade 6 average |
| Elizabeth Ziegler Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.2 km | 75%Grade 6 average |
| Our Lady of Lourdes Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 1.6 km | 70%Grade 6 average |
| ÉÉC Mère-Élisabeth-BruyèreConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 1.6 km | 85%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Waterloo Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1 km | 57%Grade 9 math |
| St David Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 · French Immersion | 1.4 km | 67%Grade 9 math |
| Bluevale Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1.9 km | 75%Grade 9 math |
| École secondaire David Saint-JacquesConseil scolaire Viamonde | French-language public · grades 9–12 | 9.9 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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