Loading…
Property Type: Detached HouseOwnership: Freehold
422 RIDEAU RIVER STREET
Waterloo, ON N2V2Y4
MLS® X13533822
$1,799,900
5 bed4.5 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 45 x 109.3 FT ; 45.07ft. x 109.43ft. x 45.07ft. x109.43
- Frontage
- 45 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $8,878 (2026)
Interior
- Basement
- Finished, Full, Walk out, N/A, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Basement | — |
| Bedroom 5 | Basement | — |
| Other | Basement | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Utility room | Basement | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Other | Main level | — |
| Kitchen | Main level | — |
Description
Experience luxury living at 422 Rideau River St in the highly sought-after ConservationMeadows community. This custom built home offers premium finishes, thoughtful design, and anincredible natural setting with no rear neighbours.A beautifully landscaped front approach, featuring an interlocking stone driveway, and naturalstone steps leading to the entrance, sets the tone for the exceptional craftsmanship foundthroughout. Inside, hand-scraped hardwood flooring extends across the main and second levels,The kitchen is a true showpiece, complete with a 14-foot soapstone waterfall island, cast ironsink, butler's pantry, and a premium Gaggenau appliance package that blends precision withperformance. From the kitchen, the home opens into comfortable living areas, including afamily room with a fireplace and large windows filling the room with natural light.The luxurious primary suite offers a private sitting area, custom dressing room, walk-inclosets with built-in cabinetry, and a spa-inspired ensuite featuring an oversized glassshower and a Victoria + Albert volcanic stone soaking tub. 3 additional spacious bedrooms anda 5-piece bath complete the upper level.The finished walk-out basement includes a large recreation room, dedicated media room wiredSonos sound system, a 5th bedroom, full bathroom with custom tile shower, upgradedpet-resistant carpeting, and a whimsical Fairy Play House with bunk loft.Additional features include a custom whiskey cabinet, built-in dog wash.The fully fenced backyard with garden beds, mature fruit trees, berry bushes, and rose gardenswhile overlooking a pond and the Stamm Woodlot with over 6 km of scenic walking trails.Moments from St. Jacobs Farmers' Market, Laurel Creek Conservation Area, and farm-freshprovisions. A truly signature residence in an exceptional location. A detailed propertyinformation package prepared for buyer review is available through MLS via your REALTOR (id:63159)
Listing Information
- MLS®
- X13533822
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13533822
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Waterloo average
$436/sqft
188 active listing(s)
Parking: 4 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
845 m away
Mortgage & Ownership Cost Calculator
Minimum required: 20.0% ($359,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,439,920.00
Periodic payment — Principal & Interest (monthly)$9,289.88
Additional monthly expenses (condo fees, tax, utilities, etc.)$739.83
Total monthly cost$10,029.71
Interest paid over 5-yr term$412,685.21
Balance at end of term$1,295,212.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$359,980
Stress test qualifying rate8.19%
Payment you must qualify for$11,164.77
Cash Needed at Closing
Minimum down payment$359,980
Estimated Land Transfer Tax (LTT)$32,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$393,953
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.
