25 Central Street, Waterloo, ON

$949,000
MLS#:X13738052
4 beds
2 baths
1500-2000 sqft
2.0 parking
Residential Freehold
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Added:Sep 2, 2026(today)
Updated:Sep 2, 2026(today)
Last Checked:21 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Waterloo. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $949,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 45 x 104.82 ft lot
  • Features a walk-out, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 25 Central Street, Waterloo-a beautifully updated century home offering timeless character, modern upgrades, and an unbeatable location in the heart of Uptown Waterloo. This charming 4-bedroom, 2-bathroom home boasts outstanding curb appeal with a spacious covered front porch, the perfect place to relax and enjoy the neighbourhood. Step inside and be welcomed by the home's stunning original curved staircase, setting the tone for the character and craftsmanship found throughout. To the right, the bright and inviting living room flows seamlessly into the formal dining room, creating an ideal space for everyday living and entertaining. Off the dining room, a second staircase leads to the upper level, adding both convenience and classic charm. The custom-designed kitchen has been thoughtfully renovated with quartz countertops, under-cabinet lighting, brand-new stainless steel appliances, and plenty of workspace. Just off the kitchen is a bright sunroom that provides additional living space and direct access to the peaceful backyard. The main floor also features a versatile bedroom that can easily serve as a home office, along with a convenient 3-piece bathroom. Upstairs you'll find three spacious bedrooms and an updated 4-piece bathroom. One of the upper bedrooms includes a staircase leading to the unfinished attic, offering excellent storage or future potential. Soaring 9-foot ceilings, new solid maple hardwood flooring, and new wood Thermopane windows throughout beautifully blend historic elegance with modern comfort. Additional updates include a recent high-efficiency forced air gas furnace and new central AC for year-round comfort. Outside, enjoy a quiet backyard complete with a garden shed and parking for two vehicles. Located in the centre of Uptown, this home is within walking distance of restaurants, shopping, Waterloo Park, Universities and countless other amenities. A rare opportunity to own a beautifully renovated character home in Waterloo!

Upcoming Open Houses

Saturday, September 12, 20262:00 PM - 4:00 PMPublic
Sunday, September 13, 20262:00 PM - 4:00 PMPublic
Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 25 Central Street, Waterloo is currently for sale and has been available on zoozaa for 0 days. This property is listed at $949,000 with an estimated mortgage of $3,159* per month. It has 4 beds, 2 bathrooms, and is 1500-2000 square feet. 25 Central Street, Waterloo

Work with the SOUSA TEAM to unlock your .

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Waterloo.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Waterloo.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedSep 2, 2026 (today)
UpdatedSep 2, 2026 (today)
Last Checked21 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementWalk-Out, Partially Finished
Lot Size45 Ă— 104.82 Feet
CountyWaterloo
Annual Tax$5,499.88
Legal DescriptionPT LT 23 E/S SNIDER ST, 5 S/S CHURCH ST PL 491 CITY OF WATERLOO AS IN 1366020 CITY OF WATERLOO

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Park
  • Place Of Worship
  • School
  • Library
  • Other
  • Golf

Interior Features

  • Water Heater

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 25 Central Street, Waterloo, ON

Q.What is the asking price for 25 Central Street, Waterloo, ON ?

The current listing price for 25 Central Street, Waterloo, ON in Waterloo is $949,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 25 Central Street, Waterloo, ON ?

25 Central Street, Waterloo, ON is a Detached (2-Storey) featuring a Walk-Out, Partially Finished basement.

Q.What key property features does 25 Central Street, Waterloo, ON offer?

Key property features include: Park, Place Of Worship, School, Library, Other, Golf.

Q.What interior features are included in this home?

Interior highlights include: Water Heater.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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25 Central Street, Waterloo, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Waterloo, Waterloo

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 25 Central Street, Waterloo, ON N2L 3A5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Waterloo.

Configure Loan Settings

Interest Rate4.00%
Down Payment$284,700 (30.0%)
* Minimum Canadian down payment required for this price is $69,900.
Amortization Period30 Years
Estimated Monthly Payment$3,159Based on a loan of $664,300 over 30 years.
Purchase Price$949,000
Loan Amount$664,300
Provincial Land Transfer Tax:$15,455
Total Estimated Closing Taxes:$15,455

About Purchasing a Home in Waterloo, ON

For a property listed at $949,000 in Waterloo, the legal minimum down payment is $69,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $15,455 for this transaction. As this listing is in Waterloo (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $15,455.

Waterloo Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Waterloo.

Verified Local Data
City Population575,847
City Median Age38 Yrs
City Ownership65% Owners
Avg Area List Price$872,890

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
45%
Couples without children
28%
Other households
3%

Top Ethnic Origins

English18%
German17%
Scottish15%
Irish15%

Best Schools in Waterloo

Elementary Schools

L'Harmonie
Public158 Bridgeport Road East, Waterloo, Ontario, N2J 2K4
6.5
Elizabeth Ziegler
Public90 Moore Avenue South, Waterloo, Ontario, N2J 1X2
6.3
Winston Churchill
Public100 Milford Avenue, Waterloo, Ontario, N2L 3Z3
5.5
Our Lady of Lourdes
Public55 Roslin Avenue South, Waterloo, Ontario, N2L 6N5
5.0
Mère-Élisabeth-Bruyère
Public280 Glenridge Drive, Waterloo, Ontario, N2J 3W4
6.8

Secondary Schools

St. David
Catholic4 High Street, Waterloo, Ontario, N2L 3X5
8.0
Bluevale
Public80 Bluevale Street North, Waterloo, Ontario, N2J 3R5
7.0

Waterloo Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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