430 Kelso Drive, Waterloo, ON

$849,900
MLS#:X13513406
5 beds
4 baths
2000-2500 sqft
4.0 parking
Residential Freehold
Loading property media...

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 $849,900 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.

  • 5 Bedrooms and 4 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 44.82 x 139.67 ft lot
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Water Heater, Water Softener
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 430 Kelso Drive, Waterloo: a beautifully maintained family home nestled in the highly sought-after Lakeshore North community. Situated on an impressive 44 x 139 ft. lot and just steps from the scenic Laurel Creek Conservation Area, this exceptional property offers fantastic curb appeal and parking for up to 4 vehicles, including a 2-car garage and 2-car private driveway. Step inside to a bright, carpet-free interior featuring soaring 9-foot ceilings, an open-concept layout and abundant natural light throughout. The kitchen comes complete with updated appliances, ample cabinetry, and generous counter space, making meal preparation effortless. The adjoining dining and living areas, anchored by a cozy electric fireplace create a warm, inviting atmosphere. Main floor laundry adds everyday convenience. Upstairs, you'll find 4 generously sized bedrooms and two full bathrooms, including a primary retreat with a walk-in closet and private ensuite. Designed with growing families in mind, the upper level offers both comfort and functionality. The fully finished basement adds tremendous versatility with a large recreation room, an additional bedroom and 3pc bathroom, ideal for extended family, guests, an in-law suite or mortgage-helper potential. This home has been thoughtfully upgraded for comfort and efficiency: a new heat pump (2024, doubling as central air), a two-stage furnace and refreshed R-60 attic insulation (2022) keep utility costs down year-round. Step outside to a huge, fully fenced, pool-sized backyard with a concrete patio, perfect for summer bbq's, family gatherings or simply relaxing. Set on a quiet street in one of Waterloo's most desirable neighbourhoods, this home is close to top-rated schools, parks, trails, universities, the YMCA, Conestoga Mall, shopping, restaurants, public transit, and major highways. A premium lot in an outstanding location, this house truly checks all the boxes. Don't miss your chance, book your private showing today!

Schedule a Tour

Contact us to schedule a private viewing of this property.

Contact Agent

Generate CMA Report

Key Features

Bedrooms
5
Bathrooms
4
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/2/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementFull, Finished
Lot Size44.82 × 139.67 Feet
CountyWaterloo
Annual Tax$6,672
Legal DescriptionLOT 54, PLAN 58M252, S/T EASE LT97272 IN FAVOR OF THE CORPORATION OF THE CITY OF WATERLOO AND UNION GAS LIMITED OVER PART 54 ON 58R-13843. WATERLOO

Parking & Garage

Parking Spaces4.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Greenbelt/Conservation, Lake/Pond, Library, Park, Rec./Commun.Centre, School

Interior Features

Auto Garage Door Remote, Water Heater, Water Softener

Security Features

Community Features

Location

Initializing map...
430 Kelso Drive, Waterloo, ON

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 430 Kelso Drive, Waterloo, ON N2V 2S1

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
Loading stats...

Properties in this area are selling at a steady pace.

Market Trend
Calculating trend...

Mortgage & Affordability Audit

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

Information Gain SEO Widget

Configure Loan Settings

Interest Rate5.25%
Down Payment$59,990 (7.1%)
* Minimum Canadian down payment required for this price is $59,990.
Amortization Period25 Years
Estimated Monthly Payment$4,707Based on a loan of $789,910 over 25 years.
Purchase Price$849,900
Loan Amount$789,910
Provincial Land Transfer Tax:$13,473
Total Estimated Closing Taxes:$13,473

About Purchasing a Home in Waterloo, ON

For a property listed at $849,900 in Waterloo, the legal minimum down payment is $59,990 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 $13,473 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 $13,473.

Nearby Listings

Distance:

No current listings found in Waterloo.

Similar Listings Nearby

City & 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$798,600

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%

Local Schools Guide

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
Winston Churchill
Public100 Milford Avenue, Waterloo, Ontario, N2L 3Z3
5.5
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

Homes & Housing

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.