85 Albert Street, Waterloo, ON

$1,499,900
MLS#:X13591512
4 beds
3 baths
2500-3000 sqft
3.0 parking
Residential Freehold
85 Albert Street, Waterloo, ON N2L 3S6
⚠️

Property no longer active

This property was sold on August 1, 2026. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 3-Storey detached located in the coveted neighborhood of Waterloo. Expertly crafted featuring premium brick and stucco (plaster) construction, this residence presents an exceptional opportunity offered at $1,499,900 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 3 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 45.94 x 132.66 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: Separate Heating Controls, Water Softener
  • equipped with central air central cooling and highly efficient radiant heating via electric

Description

Incredible opportunity to own a beautifully updated executive century home in one of Waterloo's most coveted locations, backing directly onto Waterloo Park and just steps from Uptown. The perfect blend of timeless character, modern luxury, and an unbeatable lifestyle. Spend summers in your own private backyard retreat, featuring a low-maintenance saltwater pool, mature trees, professional landscaping, and breathtaking views of Waterloo Park. Inside, this exceptionally bright three-storey home offers a spacious open-concept layout, elegant finishes, & sophisticated design throughout. The heart of the home is a dream kitchen designed for serious cooks, complete with professional built-in Thermador appliances, striking six-burner gas range, custom range hood, convenient pot filler, honed Carrara marble countertops, stainless apron-front sink, oversized island with built-in microwave drawer, and abundant custom cabinetry. The sun-filled main floor showcases hardwood flooring, beautiful gas fireplace with marble surround, generous dining space, and large new sliding door opening to the backyard deck perfect for seamless indoor-outdoor entertaining. Second level features three spacious bedrooms, convenient upper-level laundry, and a luxurious main bathroom with a whirlpool tub, separate glass shower, and exceptional storage. The third floor offers outstanding flexibility with bright family room overlooking the park, private office, additional bedroom, and beautifully appointed bathroom with marble finishes. Ideal as a guest retreat, teen hideaway, home office, or potential in-law suite. Walk to everything that makes Uptown Waterloo so desirable, including boutique shopping, exceptional restaurants, Waterloo Park, LRT, both universities, Perimeter Institute, CIGI, Clay & Glass Gallery, trails, and countless community amenities. A rare opportunity to own a truly exceptional home where historic charm, contemporary luxury, and one of Waterloo's finest settings come together.

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Property Summary

This detached home located at 85 Albert Street, Waterloo is currently for sale and has been available on SousaSells for 16 days. This property is listed at $1,499,900 with an estimated mortgage of $4,993* per month. It has 4 beds, 3 bathrooms, and is 2500-3000 square feet. 85 Albert Street, Waterloo

* 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 3 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
  • 3 well-appointed bathrooms
  • 2500-3000 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
3
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateAugust 1, 2026
Sold price information is available to members only
Listed Date7/21/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style3-Storey
ConstructionBrick, Stucco (Plaster)
BasementFull, Partially Finished
Lot Size45.94 × 132.66 Feet
CountyWaterloo
Annual Tax$7,920.4
Legal DescriptionPT LT 18 W/S Albert St 19 W/S Albert St PL 491 City of Waterloo As In 809179; Waterloo

Parking & Garage

Parking Total3.0
Parking Space3
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeRadiant
CoolingCentral Air

Features

Property Features

  • Greenbelt/Conservation
  • Library
  • Park
  • Public Transit
  • Rec./Commun.Centre
  • Fenced Yard

Interior Features

  • Separate Heating Controls
  • Water Softener

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 85 Albert Street, Waterloo, ON

Q.What is the asking price for 85 Albert Street, Waterloo, ON ?

The current listing price for 85 Albert Street, Waterloo, ON in Waterloo is $1,499,900.

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

This property features 4 bedrooms and 3 bathrooms across approximately 2500-3000 sqft.

Q.What property type and architectural style is 85 Albert Street, Waterloo, ON ?

85 Albert Street, Waterloo, ON is a Detached (3-Storey) featuring a Full, Partially Finished basement.

Q.What key property features does 85 Albert Street, Waterloo, ON offer?

Key property features include: Greenbelt/Conservation, Library, Park, Public Transit, Rec./Commun.Centre, Fenced Yard.

Q.What interior features are included in this home?

Interior highlights include: Separate Heating Controls, Water Softener.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via Central Air.

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Location

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85 Albert Street, Waterloo, ON

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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 85 Albert Street, Waterloo, ON N2L 3S6

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.

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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$449,970 (30.0%)
* Minimum Canadian down payment required for this price is $299,980.
Amortization Period30 Years
Estimated Monthly Payment$4,993Based on a loan of $1,049,930 over 30 years.
Purchase Price$1,499,900
Loan Amount$1,049,930
Provincial Land Transfer Tax:$26,473
Total Estimated Closing Taxes:$26,473

About Purchasing a Home in Waterloo, ON

For a property listed at $1,499,900 in Waterloo, the legal minimum down payment is $299,980 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 $26,473 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 $26,473.

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$785,885

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

Our Lady of Lourdes
Public55 Roslin Avenue South, Waterloo, Ontario, N2L 6N5
5.0
Elizabeth Ziegler
Public90 Moore Avenue South, Waterloo, Ontario, N2J 1X2
6.3
L'Harmonie
Public158 Bridgeport Road East, Waterloo, Ontario, N2J 2K4
6.5
Empire
Public83 Empire Street, Waterloo, Ontario, N2L 2M1
6.3
Keatsway
Public323 Keats Way, Waterloo, Ontario, N2L 5V9
4.8

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%

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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.