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Property Type: Detached HouseOwnership: Freehold
25 CENTRAL Street
Waterloo, ON N2L3A5
MLS® 40863709
$849,000
4 bed2 bath2 parking1,773 sqftBuilt 1896
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 45 feet
RC1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,499.88
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Other | Basement | 12'6'' x 23'0'' |
| Other | Basement | 12'6'' x 8'6'' |
| Other | Basement | 12'5'' x 8'7'' |
| Primary Bedroom | Second level | 10'8'' x 14'11'' |
| Bedroom | Second level | 10'10'' x 11'9'' |
| Bedroom | Second level | 14'4'' x 10'1'' |
| 4pc Bathroom | Second level | — |
| Mud room | Main level | 7'9'' x 9'3'' |
| Living room | Main level | 12'4'' x 12'10'' |
| Kitchen | Main level | 14'5'' x 13'6'' |
| Foyer | Main level | 13'8'' x 3'11'' |
| Dining room | Main level | 11'8'' x 12'10'' |
| Bedroom | Main level | 15'10'' x 11'4'' |
| 3pc Bathroom |
Description
Welcome to 25 Central Street, Waterloo—a beautifully updated century home offering timeless character, modern upgrades, and an unbeatable location in the heart of Uptown Waterloo. This charming 4-bedroom, 2-bathroom home boasts outstanding curb appeal with a spacious covered front porch, the perfect place to relax and enjoy the neighbourhood. Step inside and be welcomed by the home's stunning original curved staircase, setting the tone for the character and craftsmanship found throughout. To the right, the bright and inviting living room flows seamlessly into the formal dining room, creating an ideal space for everyday living and entertaining. Off the dining room, a second staircase leads to the upper level, adding both convenience and classic charm. The custom-designed kitchen has been thoughtfully renovated with quartz countertops, under-cabinet lighting, brand-new stainless steel appliances, and plenty of workspace. Just off the kitchen is a bright sunroom that provides additional living space and direct access to the peaceful backyard. The main floor also features a versatile bedroom that can easily serve as a home office, along with a convenient 3-piece bathroom. Upstairs you'll find three spacious bedrooms and an updated 4-piece bathroom. One of the upper bedrooms includes a staircase leading to the unfinished attic, offering excellent storage or future potential. Soaring 9-foot ceilings, new solid maple hardwood flooring, and new wood Thermopane windows throughout beautifully blend historic elegance with modern comfort. Additional updates include a recent high-efficiency forced air gas furnace and new central AC for year-round comfort. Outside, enjoy a quiet backyard complete with a garden shed and parking for two vehicles. Located in the centre of Uptown, this home is within walking distance of restaurants, shopping, Waterloo Park, Universities and countless other amenities. A rare opportunity to own a beautifully renovated character home in Waterloo! (id:63161)
Listing Information
- MLS®
- 40863709
- Data last synced
- October 24, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40863709
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$479/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$536/sqft
22 active listing(s)
Parking: 2 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($59,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$679,200.00
Periodic payment — Principal & Interest (monthly)$4,381.97
Additional monthly expenses (condo fees, tax, utilities, etc.)$547.32
Total monthly cost$4,929.29
Interest paid over 5-yr term$194,660.67
Balance at end of term$610,942.60
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$59,900
Stress test qualifying rate8.19%
Payment you must qualify for$6,118.48
Cash Needed at Closing
Minimum down payment$59,900
Estimated Land Transfer Tax (LTT)$13,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,855
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
