- Bedrooms
- 3+1
- Bathrooms
- 2
- Size
- 1,100–1,500sq ft
- Per sq ft
- $519at the range’s middle
- Lot
- 41.19 x 131.45 ft
- Tax a year
- $3,5772025 tax year
- Built
- 31-50
- Parking
- 4none
- Days on market
- Members
The brief
About B-620 Settlersfield Crt
B-620 Settlersfield Crt is a 3+1-bedroom, 2-bathroom semi-detached house in Waterloo, listed for sale at an asking price of $675,000 (MLS® X13741966).
***MOTIVATED SELLER***Extra-Wide Corner-Lot Semi on a quiet, Child-friendly court offering approximately 1,685 Sq. ft. of finished living space across three levels, 3+1 bedrooms, two full bathrooms, a large private fenced yard and parking for four vehicles. The bright, carpet-free main floor features an open-concept living and dining area and an updated kitchen with pantry improvements, creating a practical and comfortable layout for everyday family living and entertaining. Upstairs are three well-sized bedrooms and a full bathroom. The finished lower level adds a fourth bedroom, second full bathroom, laundry and storage, providing valuable flexibility for guests, teenagers, extended family or a home office. Outside, enjoy the covered front porch, mature landscaping, storage shed and underground cistern for lawn irrigation. The double-wide driveway accommodates up to four vehicles, and with no sidewalk, there is less winter maintenance. Updates include roof (2016), furnace (2017), kitchen and pantry updates (2023), dishwasher (2023), lower-level bedroom conversion (2023) and sump pump (2023). Conveniently located near The Boardwalk, transit, restaurants, shopping, banks, medical services, Landmark Cinemas, schools, universities and everyday amenities
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even53/100−$228/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 18 homes with 4 bedrooms for lease in Waterloo right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $3,577 / 2025
- MLS® number
- X13741966
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Building Age
- 31-50
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 41.19 x 131.45 ft
- Listed on
- Parking
- None, 4 Parking
Property details
Property
- Property Type
- Semi-Detached
- Style
- 2-Storey
- Municipality
- Waterloo
Building
- Size
- 1100-1500 sqft
- Building Age
- 31-50
- Construction
- Brick
Inside
- Bedrooms
- 3+1
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc 2nd, 1 × 3pc Bsmt
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Garage Type
- None
- Additional Parking
- 4
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 41.19 ft
- Depth
- 131.45 ft
- Lot Size
- 41.19 x 131.45 ft
Additional
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Stove, Refrigerator (2), OTR Microwave (2), Washer, Dryer, Dishwasher, Electric Light fixtures and Window Coverings
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.35 × 5.13 m | — | Main |
| Dining | 2.29 × 4.01 m | Combined W/Living | Main |
| Kitchen | 2.97 × 3.25 m | — | Main |
| Primary | 3.61 × 4.04 m | — | 2nd |
| 2nd Br | 2.59 × 3.4 m | — | 2nd |
| 3rd Br | 2.51 × 3.53 m | — | 2nd |
| Bathroom | 1.83 × 3.35 m | 4 Pc Bath | 2nd |
| 4th Br | 3.3 × 4.98 m | — | Bsmt |
| Bathroom | 1.55 × 2.62 m | 3 Pc Bath | Bsmt |
| Laundry | 2.64 × 3.38 m | — | Bsmt |
Listing history
Buy/sell history for B-620 Settlersfield Crt, 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 | $675,000 | N/A | Pc | X13741966 |
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
- $135,000
- Total mortgage amount
- $540,000
- Total interest payment
- $384,000
- Total purchase cost
- $1,059,000
- Mortgage payment
- $3,080/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
26%Monthly carrying cost
$3,378- Rent $3,150
- Shortfall $228
Rental income opens at $3,150, the median asking rent of 18 comparable homes for lease in Waterloo. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $9,975
- Total land transfer tax
- $9,975
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $5,975
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 $675,000
- $5,500
- Ontario total
- $9,975
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
- 5,414 sq ft503 m²
- Street frontage
- 41.19 ft12.6 m
- Depth
- 131.45 ft40.1 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
- 6 water-supply wells recorded within 250 mAll were drilled for domestic use. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 13.3 m.250 m
- Groundwater recorded about 39.3 m below ground nearbyThe middle water level in the well records within 500 m (47 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 home1
- 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
- 2 facilities within 1 km report pollutant releases to Environment CanadaThe nearest is Region of Waterloo, Waste Management Division — Waterloo Landfill Site, 930 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, 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
Semi-detached homes for sale in Waterloo right now
- For sale now
- 12
- Median asking price
- $624K
- New in 7 days
- 2
- Price cuts
- 8%
Middle half: $597K to $688K
5 in 28 days
1 listing
This home is asking 8% above the median.
See all homes in WaterlooAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| University of Waterloo | GRT light rail: ION light rail | 3.5 km |
| Laurier - Waterloo Park | GRT light rail: ION light rail | 3.5 km |
| Willis Way | GRT light rail: ION light rail | 4 km |
| Research and Technology | GRT light rail: ION light rail | 4.1 km |
| Waterloo Public Square | GRT light rail: ION light rail | 4.1 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Edna Staebler Public SchoolWaterloo Region DSB | Public · grades JK–8 · French Immersion | 650 m | 76%Grade 6 average |
| Westvale Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 950 m | 71%Grade 6 average |
| Holy Rosary Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 · French Immersion | 1.4 km | 78%Grade 6 average |
| École élémentaire L'HarmonieConseil scolaire Viamonde | French-language public · grades JK–8 | 5.6 km | 84%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Resurrection Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.1 km | 57%Grade 9 math |
| Laurel Heights Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 3.1 km | 83%Grade 9 math |
| Waterloo Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 4.6 km | 57%Grade 9 math |
| Forest Heights Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 4.7 km | 48%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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