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Property Type: Detached HouseOwnership: Freehold
590 FERN ROAD
Waterloo, ON N2V1K6
MLS® X13700768
$789,900
4 bed3 full, 2 half bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 105.1 x 88.5 FT
- Frontage
- 105.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,884 (2026)
Interior
- Basement
- Finished, Separate entrance, Walk out, N/A, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Bathroom | Basement | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Kitchen | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Recreational, Games room | Basement | — |
| Bedroom 4 | Basement | — |
| Bathroom | Basement | — |
Description
Pride of ownership and meticulous care is evident throughout. Updated kitchen by BARZOTTI, quality craftmanship with soft close cabinets and drawers. You've worked Hard now enjoy your Inviting retreat with 2 tier deck featuring wood beam Pergola with privacy blind. You will enjoy the beautiful gardens. Spacius 14'x 14'custom built shed with its own spacious concrete patio. All enclosed in private fully fenced yard with gates to back trailer into yard.Spoil Yourself, guests & your family! RARE OPPORTUNITY IN THE PRESTIGIOUS LAKESHORE NORTH NEIGHBOURHOOD in Waterloo. Bright & Spacious Beautifully Renovated home on a Huge Lot. Move-In Condition. Exceptional accessibility to get around the city. Plus excellent schools & parks. MUD ROOM shower and Laundry walkin from garage. Main floor 3rd bedroom is now aranged as in home office. Windows filled with natural light. Separate dining area with W/O to a Huge Deck.The Basement is Very Bright with large above grade Windows. It has a 4th Bedroom & a Large RecRoom with a gas fireplace. This offers flexibility as a Home Office, Guest Suite, Studio, Entertainment Area or the Perfect Multi-Generational Extended Family Living Opportunity.Close to U of W & Wilfried Laurier. The Future Waterloo Region Hospital is minutes away. Closely located to shopping, St.Jacobs Farmers Market, Uptown Waterloo, Conestoga Mall, restaurants, public transit, ION LRT, easy access Hwy 85. Minutes from Trans Canada Trail Waterloo & Laurel Creek Conservation Area. (id:63161)
Listing Information
- MLS®
- X13700768
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
ROYAL LEPAGE SIGNATURE REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE SIGNATURE REALTY
MLS® Number: X13700768
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: 3 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: 6.8% ($53,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$631,920.00
Periodic payment — Principal & Interest (monthly)$4,076.93
Additional monthly expenses (condo fees, tax, utilities, etc.)$407.00
Total monthly cost$4,483.93
Interest paid over 5-yr term$181,110.09
Balance at end of term$568,414.08
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$53,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,706.06
Cash Needed at Closing
Minimum down payment$53,990
Estimated Land Transfer Tax (LTT)$12,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$67,763
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.
