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Property Type: Detached HouseOwnership: Freehold
430 RIDEAU RIVER Street
Waterloo, ON N2V2Y4
MLS® 40855766
$1,549,900
6 bed4.5 bath4 parking3,942 sqftBuilt 2008
Property Details
Property & Lot
- Sub-type
- House
- Style
- Contemporary
- Stories
- 2
- Frontage
- 45 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $9,982.85
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 7'5'' x 14'7'' |
| Storage | Basement | 4'8'' x 9'8'' |
| Gym | Basement | 15'9'' x 21'6'' |
| Den | Basement | 5'4'' x 10'11'' |
| Primary Bedroom | Second level | 16'1'' x 16'11'' |
| 3pc Bathroom | Basement | 6'7'' x 10'4'' |
| Bedroom | Basement | 10'2'' x 10'3'' |
| Recreation room | Basement | 12'11'' x 13'7'' |
| 5pc Bathroom | Second level | 7'6'' x 9'3'' |
| Bedroom | Second level | 8'7'' x 11'6'' |
| Bedroom | Second level | 10'11'' x 13'3'' |
| Bedroom | Second level | 9'10'' x 16'1'' |
| Bedroom | Second level | 13'6'' x 16'6'' |
Description
Welcome to 430 Rideau River Street, an elegant custom-built home nestled in the highly sought-after Conservation Meadows community. Offering 5+1 bedrooms, 4 bathrooms, and approximately 4,000 sq. ft. of finished living space, this beautifully maintained residence combines timeless curb appeal, modern elegance, and an exceptional connection to nature. The impressive full-brick exterior creates a classic and distinguished presence, while the completely carpet-free interior offers a clean, contemporary feel throughout. Expansive windows flood the home with natural light and frame unobstructed views of ponds and lush greenery. Designed for both everyday family living and entertaining, the home features bright, spacious principal rooms with an elegant flow between the living, dining, and kitchen areas. Thoughtful design and quality finishes create a warm yet sophisticated atmosphere throughout. The walk-out basement extends the living space and provides a seamless connection to the outdoors, offering excellent flexibility for family recreation, guests, or additional living needs. Step outside to enjoy the peaceful surroundings and spectacular views from multiple vantage points. With no rear neighbors, the property offers an exceptional level of privacy and tranquility rarely found in such a desirable neighborhood. Enjoy the beauty of nature and changing seasons right from your own home. Located in family-friendly Conservation Meadows, this home is close to parks, trails, schools, shopping, and major amenities, while offering a peaceful retreat from the everyday. A rare opportunity to own a sophisticated, full-brick, carpet-free home with abundant natural light, a walk-out basement, exceptional privacy, and breathtaking natural views. (id:63159)
Listing Information
- MLS®
- 40855766
- Data last synced
- September 28, 2026
SOLID STATE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SOLID STATE REALTY INC.
MLS® Number: 40855766
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
$393/sqft
Building average
—
No other active listings in this building
441 - Erbsville/Laurelwood average
$415/sqft
19 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: 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: 20.0% ($309,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,239,920.00
Periodic payment — Principal & Interest (monthly)$7,999.54
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,028.90
Total monthly cost$9,028.45
Interest paid over 5-yr term$355,364.64
Balance at end of term$1,115,312.05
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$309,980
Stress test qualifying rate8.19%
Payment you must qualify for$9,614.02
Cash Needed at Closing
Minimum down payment$309,980
Estimated Land Transfer Tax (LTT)$27,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$338,953
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.
