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Property Type: Detached HouseOwnership: Freehold
89 ALLEN Street W
Waterloo, ON N2L1E5
MLS® 40873024
90
Walk Score
58
Transit
79
Bike
$999,999
4 bed3.5 bath5 parking1,860 sqftBuilt 1921
90
Walk Score
58
Transit
79
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.11 acres
- Frontage
- 40 feet
RES-4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,900.92
Interior
- Basement
- Finished, Partial
- Heating
- Forced air
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Studio | Main level | 23'3'' x 21'2'' |
| Family room | Main level | 8'6'' x 11'4'' |
| Dining room | Main level | 8'7'' x 9'10'' |
| Pantry | Main level | 9'7'' x 2'0'' |
| Kitchen | Main level | 11'8'' x 11'0'' |
| Living room | Main level | 11'6'' x 13'7'' |
| 3pc Bathroom | Basement | — |
| Bedroom | Basement | 11'7'' x 14'2'' |
| 2pc Bathroom | Main level | — |
| 4pc Bathroom | Second level | — |
| Sunroom | Second level | 9'8'' x 10'7'' |
| Bedroom | Second level | 8'7'' x 12'11'' |
| Bedroom | Second level | 8'7'' x 13'7'' |
| Bedroom |
Description
Welcome to Uptown Waterloo’s most sought-after, walkable neighbourhoods, where character, style & an incredible location come together in a home that is anything but ordinary. Thoughtfully updated while maintaining the charm that makes this area so special, every space has personality & purpose. Inside, hardwood flooring, extensive custom wall moulding, oversized windows & carefully selected finishes create a warm, timeless feel. The kitchen makes a statement, pairing rich cabinetry with stone surfaces, tilework and exceptional functionality. Drawers replace traditional lower cabinets throughout, providing incredible everyday storage, while a dedicated pantry adds even more organization. A large centre island offers additional prep space & casual seating, while the adjoining dining area is wrapped in windows overlooking the backyard. Upstairs, three bedrooms are complemented by a bonus space offering the potential for a fourth bedroom, and updated bathroom with soaker tub! The finished basement adds even more versatility with another bedroom and bathroom. A bright enclosed front porch provides another flexible space to unwind, while vintage-inspired details carry the home’s personality throughout. And then there’s the converted garage, a standout feature that adds 500 extra sq ft of living space. Bright, open & spacious, it has been transformed into an impressive additional living and entertaining space with oversized windows and is heated by a gas fireplace. Whether used as a family room, studio, games room, home office or the ultimate entertaining space, it offers versatility rarely found in the neighbourhood. Outside, the private backyard connects these spaces beautifully. All of this is tucked among established streets in the heart of Uptown, within walking distance of exceptional schools, restaurants, cafes, shops, parks, trails & everyday conveniences. Distinctive, functional & full of character, this is Uptown living with a style all its own. (id:63161)
Listing Information
- MLS®
- 40873024
- Data last synced
- October 24, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40873024
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
$538/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$533/sqft
22 active listing(s)
Parking: 5 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: 7.5% ($75,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$799,999.00
Periodic payment — Principal & Interest (monthly)$5,161.32
Additional monthly expenses (condo fees, tax, utilities, etc.)$584.74
Total monthly cost$5,746.07
Interest paid over 5-yr term$229,282.01
Balance at end of term$719,601.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$75,000
Stress test qualifying rate8.19%
Payment you must qualify for$7,172.20
Cash Needed at Closing
Minimum down payment$75,000
Estimated Land Transfer Tax (LTT)$16,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$92,975
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.
