Loading…
Property Type: Detached HouseOwnership: Freehold
450 WESTHAVEN STREET
Waterloo, ON N2T2R2
MLS® X13765994
$1,189,000
5 bed5.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 31.5 x 113.8 FT
- Frontage
- 31.6 feet
SR-1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,794.36
Interior
- Basement
- Finished, Full, Apartment in basement, Separate entrance, N/A, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Basement | — |
| Bedroom 2 | Second level | — |
| Utility room | Basement | — |
| Primary Bedroom | Second level | — |
| Living room | Main level | — |
| Foyer | Main level | — |
| Bedroom | Basement | — |
| Kitchen | Main level | — |
| Bedroom 3 | Second level | — |
| Dining room | Main level | — |
| Mud room | Main level | — |
| Recreational, Games room | Basement | — |
| Bedroom | Second level | — |
Description
Welcome to 450 Westhaven Street, a beautifully upgraded Ritz Homes residence in one of Waterloo's most sought after family neighbourhoods. Less than one year old, this stunning home offers approximately 2,320 sq ft above grade plus a finished basement, featuring quartz countertops throughout, a designer kitchen with a custom coffee bar, engineered hardwood flooring, oak staircases with black metal pickets, and no carpet throughout. The finished lower level adds exceptional versatility with a spacious recreation room, additional bedroom, full bathroom, and a convenient kitchenette complete with a sink, making it ideal for extended family, guests, or multi generational living. Complete with 200 amp service, central air conditioning, gas lines for the stove and BBQ, and numerous builder upgrades, this move in ready home offers the perfect blend of style, comfort, and functionality. Ideally situated in the highly desirable Westvale area of Waterloo, this home is surrounded by excellent schools, beautiful parks, walking trails, playgrounds, and family friendly amenities. Enjoy convenient access to shopping, restaurants, Costco, The Boardwalk, universities, public transit, and major commuter routes including Highway 7/8. Whether you're raising a family, working from home, or simply looking for a newer home in a thriving community, 450 Westhaven Street delivers exceptional value in one of Waterloo's most convenient and connected locations. (id:63159)
Listing Information
- MLS®
- X13765994
- Data last synced
- September 15, 2026
KELLER WILLIAMS ADVANTAGE REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: KELLER WILLIAMS ADVANTAGE REALTY
MLS® Number: X13765994
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: 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 7.9% ($93,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$951,200.00
Periodic payment — Principal & Interest (monthly)$6,136.82
Additional monthly expenses (condo fees, tax, utilities, etc.)$316.20
Total monthly cost$6,453.02
Interest paid over 5-yr term$272,616.65
Balance at end of term$855,607.48
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$93,900
Stress test qualifying rate8.19%
Payment you must qualify for$8,491.12
Cash Needed at Closing
Minimum down payment$93,900
Estimated Land Transfer Tax (LTT)$20,255
Legal / closing costs (typical estimate)$1,500
Total cash needed$115,655
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.
