443 Duke Street, Waterloo, ON

$499,900
MLS#:X13042358
2 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Waterloo. Expertly crafted featuring premium stucco (plaster) construction, this residence presents an exceptional opportunity offered at $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.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 33 x 165 ft lot
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: On Demand Water Heater, Water Heater, Water Softener
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 443 Duke St in Cambridge - a beautifully unique Spanish-inspired home that has been thoughtfully renovated throughout, showcasing architectural details and character. The bright and inviting main floor features a spacious living room anchored by a cozy fireplace, seamlessly connected to an adjoining dining area that's perfect for entertaining guests. Elegant glass double doors lead to a generous family room highlighted by striking curved windows, built-in shelving, and another set of double glass doors that open onto the courtyard, creating a seamless indoor-outdoor flow. Just around the corner, the updated kitchen offers a gas stove, stainless steel appliances, a stylish stone backsplash, and a peninsula that enhances the open-concept feel. Upstairs, the private primary suite serves as a true retreat, complete with a large bedroom, a walkout to your own secluded deck, a private bathroom, and a spacious walk-in closet. The finished basement adds versatility with an additional bedroom, a modern 3-piece bathroom with a tiled shower, a dedicated laundry room, and ample storage space. Outside, the low-maintenance backyard features a gated patio ideal for entertaining, along with abundant parking - perfect for car enthusiasts or those looking for a blank canvas to bring their vision to life. Located close to the Grand River, scenic trails, restaurants, and shopping, this home offers the perfect blend of style, comfort, and convenience.

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Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 4, 2026
Sold price information is available to members only
Listed Date4/24/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionStucco (Plaster)
BasementFull, Finished
Lot Size33 × 165 Feet
CountyWaterloo
Annual Tax$3,871
Legal DescriptionPT LT 99 N/S DUKE ST PL 521 CAMB AS IN WS727309 T/W 1412778; CAMBRIDGE

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Library, Park, Public Transit, Rec./Commun.Centre, School, School Bus Route

Interior Features

On Demand Water Heater, Water Heater, Water Softener

Security Features

Community Features

Location

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443 Duke Street, 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 443 Duke Street, Waterloo, ON N3H 3S9

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.

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Interest Rate5.25%
Down Payment$24,995 (5.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period25 Years
Estimated Monthly Payment$2,830Based on a loan of $474,905 over 25 years.
Purchase Price$499,900
Loan Amount$474,905
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in Waterloo, ON

For a property listed at $499,900 in Waterloo, the legal minimum down payment is $24,995 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 $6,473 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 $6,473.

Nearby Listings

Distance:

No current listings found in Waterloo.

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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$798,855

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%

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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.