Property Type: Detached HouseOwnership: Freehold

90 MARGARET Avenue N Unit# A

Waterloo, BC N2J3P9

$1,949,900

6 bed5.5 bath6 parking4,458 sqftBuilt 2025
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Property Details

Property & Lot

Sub-type
House
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
Fireplace
Yes (2)
Fireplace type
Electric, Other - See remarks
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer, Hood Fan, Window Coverings, Garage door opener, Microwave Built-in

Exterior & Lot

Exterior features
Brick, Stone, Stucco
Lot features
Automatic Garage Door Opener

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
6 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement10'8'' x 12'1''
3pc BathroomBasement
BedroomBasement13'8'' x 10'10''
Recreation roomBasement32'2'' x 28'8''
3pc BathroomSecond level
BedroomSecond level16'6'' x 10'3''
BedroomSecond level12'1'' x 15'4''
5pc BathroomSecond level
BedroomSecond level10'11'' x 10'11''
Laundry roomSecond level8'9'' x 5'11''
5pc BathroomSecond level
Primary BedroomSecond level18'6'' x 15'2''
SunroomMain level12'7'' x 15'7''
Dining roomMain level12'11'' x 13'0''
Living roomMain level21'1'' x 16'0''
KitchenMain level21'2'' x 13'0''
2pc BathroomMain level
BedroomMain level9'1'' x 12'11''

Listing Information

MLS®
40844389
Listed
July 3, 2026
Time on market
On the market for 73 days
Data last synced
September 15, 2026

Listing provided by: KELLER WILLIAMS INNOVATION REALTY · Data source: CREA DDF.

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)

Values & Trends

This listing

$437/sqft

Building average

No other active listings in this building

120 - Lexington/Lincoln Village average

$426/sqft

23 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

Mostly Cloudy

21°C

Mostly Cloudy

Humidity 54%

Wind S 26 km/h

Tonight

16°

Wednesday

24°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Friday

22°

Source: Environment and Climate Change Canada.

Population

126,356

(2021 Census)

+15.5% since 2016

Density: 1,656.3/km²

Dwellings: 54,453

Source: Statistics Canada, 2021 Census of Population.

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: 20.0% ($389,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,559,920.00
Periodic payment — Principal & Interest (monthly)$10,064.07
Additional monthly expenses (strata, tax, utilities, etc.)$474.17
Total monthly cost$10,538.24
Interest paid over 5-yr term$447,077.56
Balance at end of term$1,403,153.09

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$389,980
Stress test qualifying rate8.09%
Payment you must qualify for$11,995.24

Cash Needed at Closing

Minimum down payment$389,980
Estimated BC PTT$36,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$428,478

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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