Property Type: Detached HouseOwnership: Freehold

399 RIDEAU RIVER Street

Waterloo, BC N2V2Y3

$1,119,000

4 bed3.5 bath4 parking2,770 sqftBuilt 2015
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Property Details

Property & Lot

Sub-type
House
Stories
2
Frontage
50 feet

R-4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,834.46

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Water purifier, Water softener, Central Vacuum, Dishwasher, Stove, Dryer, Window Coverings, Garage door opener

Exterior & Lot

Exterior features
Brick, Stone, Vinyl siding
Lot features
Conservation/green belt, Paved driveway, Sump Pump, Automatic Garage Door Opener

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Recreation roomBasement22'7'' x 28'9''
BedroomBasement9'2'' x 15'9''
Family roomSecond level13'2'' x 13'1''
BedroomSecond level10'5'' x 15'6''
4pc BathroomSecond level
BedroomSecond level9'10'' x 12'8''
Laundry roomSecond level7'3'' x 6'7''
5pc BathroomSecond level
Primary BedroomSecond level11'10'' x 16'3''
Dining roomMain level14'8'' x 10'3''
KitchenMain level14'8'' x 9'8''
Living roomMain level14'9'' x 19'6''
2pc BathroomMain level

Listing Information

MLS®
40839561
Listed
June 20, 2026
Time on market
On the market for 86 days
Data last synced
September 15, 2026

Listing provided by: ONE PERCENT REALTY LTD. · Data source: CREA DDF.

Description

Welcome to this exceptional executive home in the highly sought-after, family-friendly Conservation Meadows community. Offering over 2,200 sq. ft. of beautifully finished living space, this impressive 3-bedroom, 3-bathroom residence features a versatile upper-level family room and an outstanding layout designed for modern living. A grand double-door entry opens to a spacious and inviting foyer, setting the tone for the home's bright, open-concept design. The stylish kitchen is equipped with quartz countertops, a tiled backsplash, stainless steel appliances, under-cabinet lighting, a large centre island, and a generous dining area with sliding glass doors leading to the backyard. Flowing seamlessly from the kitchen and dining space, the expansive living room is filled with natural light from oversized windows, creating the perfect setting for entertaining guests or enjoying everyday family life. A convenient 2-piece powder room completes the main level. Upstairs, the spacious primary suite offers an oversized walk-in closet and a luxurious 5-piece ensuite featuring a double vanity, soaker tub, and walk-in tiled shower. Two additional generously sized bedrooms, a 4-piece main bathroom, a dedicated laundry room, and a bonus family room—ideal as a media loft, home office, or playroom—complete the upper level. Additional highlights include quartz countertops in all bathrooms, California shutters, pot lights throughout, hardwood and porcelain tile flooring on the carpet-free main level, and an upgraded stone-front exterior with a covered front porch. 3 years old furnace and 6 years AC compressor. Ideally located close to Laurel Creek Conservation Area, excellent schools, universities, parks, walking trails, highway access, and the renowned St. Jacobs Farmers’ Market, this home offers an exceptional lifestyle in one of Waterloo’s most desirable neighbourhoods. (id:63159)

Values & Trends

This listing

$404/sqft

Building average

No other active listings in this building

441 - Erbsville/Laurelwood average

$402/sqft

17 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

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 7.8% ($86,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$895,200.00
Periodic payment — Principal & Interest (monthly)$5,775.53
Additional monthly expenses (strata, tax, utilities, etc.)$791.87
Total monthly cost$6,567.40
Interest paid over 5-yr term$256,566.89
Balance at end of term$805,235.30

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$86,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,936.49

Cash Needed at Closing

Minimum down payment$86,900
Estimated BC PTT$20,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$108,780

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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