Location is everything, and it doesn't get much closer to Wilfrid Laurier University than this. 23 Fir St sits just steps from Laurier's campus and University Stadium, on one of the most sought-after streets for student housing in Waterloo, where rooms lease quickly year after year. This fully rented duplex has two self-contained 5-bedroom, 2-bathroom units. Each unit has its own kitchen, in-unit laundry, forced air gas heating and central air conditioning. It also has updated laminate flooring and parking for 4. Unbeatable proximity to campus, a full rent roll and steady student demand make this a turnkey investment that will keep performing for years.
5 bedrooms, 4 bathrooms, about 1,500 sq ft, works out to roughly $873 per square foot. Chat with Zara if you'd like a deeper read on whether this duplex fits your budget and timing.
Inside 23 Fir St
Every detail from the listing, in one place.
Type
Duplex
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
4 spaces
Basement
Finished, Full
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Finished · Full
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Duplex
23 Fir St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14099260$1,310,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 23 Fir St Compares to the Waterloo Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$6,436
/mo
based on the purchase price of $1,310,000
$262,000 cash
$1,048,000 financed
$882,691 total interest
Principal54%$1,048,000
Interest46%$882,691
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
Own a home on Fir Street? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 23 Fir St with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 23 Fir St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
A licensed local agent
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Waterloo
Other 4-bed homes for sale in Waterloo around $1.3M.
Average days on market32Homes sold in about 32 days on average.
Sale-to-list ratio100.0%On average, homes sold at or above asking.
Active listings404Homes for sale here right now.
Median vs prior 90 days−3.2%Compared with Apr 25 – Jul 24, 2026: prices down.
Based on 433 sales from Jul 24 – Oct 22, 2026 (303 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
23 Fir St is listed at $1,310,000 (MLS® X14099260). Summitly updates the price as soon as the MLS® record changes.
Is $1,310,000 a good price for 23 Fir St?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Waterloo. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 23 Fir St changed?
No — 23 Fir St is still listed at its original asking price of $1,310,000.
How many bedrooms and bathrooms does 23 Fir St have?
23 Fir St has 5 bedrooms and 4 bathrooms, with about 1,500–2,000 square feet of living space. It is a duplex in Waterloo.
Is 23 Fir St close to transit?
The nearest rapid-transit station is Laurier - Waterloo Park Station (ION), about 1.1 km (about a 13-minute walk) in a straight line. University of Waterloo Station is about 1.2 km (about a 15-minute walk), and Waterloo Public Square Station is about 1.5 km (about a 18-minute walk). Distances are straight-line, not walking routes; check the transit agency for routes and schedules.
How much would the monthly mortgage be on 23 Fir St?
About $6,436 a month — principal and interest on $1,310,000 with 20% down ($262,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 23 Fir St compare with other homes in Waterloo?
Its asking price of $1,310,000 is about 90% above the median sold price in Waterloo over the last 90 days, $689,000, across 433 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 23 Fir St been sold before?
Summitly has no earlier MLS® sale or lease of 23 Fir St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 23 Fir St?
23 Fir St is in Waterloo, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 23 Fir St been on the market?
2 days — 23 Fir St was listed on October 20, 2026.
What is the price per square foot of 23 Fir St?
About $655 to $873 per square foot: the asking price of $1,310,000 over the 1,500–2,000 sq ft the listing gives as its size range.
