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Property Type: Detached HouseOwnership: Freehold
90 MARGARET Avenue N Unit# A
Waterloo, ON N2J3P9
MLS® 40868852
$1,899,900
6 bed5.5 bath6 parking4,458 sqftBuilt 2025
Property Details
Property & Lot
- Sub-type
- House
- Style
- A-Frame
- Stories
- 2
- Frontage
- 46 feet
SR2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,014
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 10'8'' x 12'1'' |
| 3pc Bathroom | Basement | — |
| Bedroom | Basement | 13'8'' x 10'10'' |
| Recreation room | Basement | 32'2'' x 28'8'' |
| 3pc Bathroom | Second level | — |
| Bedroom | Second level | 16'6'' x 10'3'' |
| Bedroom | Second level | 12'1'' x 15'4'' |
| 5pc Bathroom | Second level | — |
| Bedroom | Second level | 10'11'' x 10'11'' |
| Laundry room | Second level | 8'9'' x 5'11'' |
| 5pc Bathroom | Second level | — |
| Primary Bedroom | Second level | 18'6'' x 15'2'' |
| Sunroom | Main level | 12'7'' x 15'7'' |
| Dining room |
Description
Welcome to this custom built Ross Miner home, completed in the fall of 2025, offering over 3,000 sqft. above grade on a 250-ft deep lot. Designed with impeccable craftsmanship, this home blends luxury, elegance, and everyday functionality. The main level features a main floor bedroom with 13-ft ceilings and oversized windows and is currently used as a home office. the formal dining room is complemented by a custom-built coffee bar complete with quartz countertops, bespoke cabinetry, and a built-in beverage centre—perfect for hosting family and guests. At the heart of the home is a stunning chef’s kitchen with premium finishes, an oversized 10-ft quartz island, and a seamless flow into the spectacular great room, with 14-ft ceilings and expansive windows flood the space with natural light. A sunroom with a gas fireplace that can be enjoyed in the cooler months, extends the living space and overlooks the backyard which consists of a composite deck overlooking the backyard with endless potential for a pool, outdoor kitchen, or your own private resort-style retreat. The upper level offers 4 generously sized bedrooms, including a primary retreat with high ceilings, a 5-pce ensuite, and a walk-in closet. A second bedroom has its own walk-in closet and private ensuite, while the remaining bedrooms share a Jack-and-Jill bathroom with double sinks. A spacious second-floor laundry room with custom cabinetry adds everyday convenience. Basement is finished with a bedroom and bathroom. Just minutes from Uptown Waterloo and Downtown Kitchener, residents enjoy easy access to grocery stores, dining, entertainment, and the public library. The area is rich with parks, walking trails, community centres, and excellent schools, making it perfect for families and professionals. Nearby universities, Glenridge Plaza, Bridgeport Plaza, and everyday conveniences further enhance this outstanding location, offering the perfect balance of urban accessibility and established neighbourhood charm. (id:63159)
Listing Information
- MLS®
- 40868852
- Data last synced
- October 14, 2026
Keller Williams Innovation Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Innovation Realty
MLS® Number: 40868852
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
$426/sqft
Building average
—
No other active listings in this building
120 - Lexington/Lincoln Village average
$407/sqft
21 active listing(s)
Parking: 6 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
126,356
(2021 Census)
+15.5% since 2016
Similar Listings Nearby
No similar listings found nearby right now.
Mortgage & Ownership Cost Calculator
Minimum required: 20.0% ($379,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,519,920.00
Periodic payment — Principal & Interest (monthly)$9,806.01
Additional monthly expenses (condo fees, tax, utilities, etc.)$474.17
Total monthly cost$10,280.17
Interest paid over 5-yr term$435,613.44
Balance at end of term$1,367,172.96
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$379,980
Stress test qualifying rate8.19%
Payment you must qualify for$11,785.07
Cash Needed at Closing
Minimum down payment$379,980
Estimated Land Transfer Tax (LTT)$34,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$415,953
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.