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Property Type: Detached HouseOwnership: Freehold
509 ST MORITZ AVENUE
Waterloo, ON N2T0B3
MLS® X14095942
48
Walk Score
42
Transit
60
Bike
$1,369,000
5 bed4.5 bath4 parking
48
Walk Score
42
Transit
60
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 40 x 130 FT
- Frontage
- 40 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $10,083.11 (2025)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bedroom 4 | Basement | — |
| Bedroom 5 | Basement | — |
| Great room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Laundry room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Family room | Second level | — |
| Family room | Basement | — |
Description
LUXURY, PRIVACY & BREATHTAKING VIEWS IN WATERLOO'S PRESTIGIOUS CLAIR HILLS!* Discover this exceptional custom-built two-storey residence, where elegant design, quality craftsmanship, and an outstanding setting come together. Nestled in the sought-after Clair Hills community, this remarkable home offers the rare advantage of no neighbours directly in front or behind, providing enhanced privacy and beautiful open views. Enjoy peaceful mornings on the primary bedroom's private balcony and take in scenic park views from the media room. Adding exceptional versatility and value is a *newly completed, fully furnished two-bedroom basement with a separate entrance, ideal for extended family, guests, or additional living flexibility. Enjoy a welcoming, family-friendly neighbourhood with parks, walking trails, tennis courts, seasonal outdoor skating and hockey, and community activities. Benefit from convenient access to The Boardwalk's shopping, restaurants, entertainment, and medical services, along with Costco, Laurel Creek Conservation Area, nearby schools, the University of Waterloo, and Wilfrid Laurier University. Combining distinctive views, exceptional privacy, contemporary elegance, and a desirable location, this is a rare opportunity to own a remarkable home in one of Waterloo's sought-after communities. **A true gem that deserves to be experienced in person!* (id:63161)
Listing Information
- MLS®
- X14095942
- Tax assessment year
- 2025
- Data last synced
- October 26, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: X14095942
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.
644 m away
Mortgage & Ownership Cost Calculator
Minimum required: 8.2% ($111,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,095,200.00
Periodic payment — Principal & Interest (monthly)$7,065.86
Additional monthly expenses (condo fees, tax, utilities, etc.)$840.26
Total monthly cost$7,906.12
Interest paid over 5-yr term$313,887.47
Balance at end of term$985,135.94
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$111,900
Stress test qualifying rate8.19%
Payment you must qualify for$9,747.23
Cash Needed at Closing
Minimum down payment$111,900
Estimated Land Transfer Tax (LTT)$23,855
Legal / closing costs (typical estimate)$1,500
Total cash needed$137,255
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.
