78 William Street, Waterloo, ON

$1,397,888
MLS#:X12862388
5 beds
2 baths
2500-3000 sqft
10.0 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 brick construction, this residence presents an exceptional opportunity offered at $1,397,888 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 2 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 66 x 329 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 10.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Other, Water Heater
  • Efficient radiant heating via gas

Description

HALF AN ACRE IN UPTOWN WATERLOO! Live grand, sever the lot, or explore development potential. Welcome to 78 William St W, a stately and elegant 5- bedroom home in Waterloo's coveted Westmount neighborhood, just two blocks from Uptown conveniences and the Region's new LRT. Thoughtfully updated while retaining its original character, the home features gracious principal rooms ideal for both everyday living and entertaining. The spacious living and dining areas flow seamlessly, enhanced by large bay windows that flood the space with natural light and showcase beautiful architectural details - including original marble fireplaces that add timeless sophistication. The bright, functional kitchen offers ample storage and prep space, while the adjacent sunroom overlooks the expansive backyard and gardens-a peaceful spot for morning coffee or unwinding at the end of the day. Upstairs, you'll find five generously sized bedrooms, each with ample closet space, providing comfort and flexibility for families, guests, or work-from-home needs. Outside, the half-acre lot is a true highlight-offering privacy, mature trees, and abundant green space for recreation, gardening, or future development. Initial planning work has been completed to allow for lot severance, creating the potential to sell part of the land, build a custom home, or develop an investment property. Zoning also permits the construction of up to three Additional Dwelling Units (ADUs) in total. Whether you're seeking a distinctive family home with historic charm or a property with outstanding future potential, 78 William St W presents a rare opportunity in one of Waterloo's most desirable neighbourhoods.

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Key Features

Bedrooms
5
Bathrooms
2
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 25, 2026
Sold price information is available to members only
Listed Date3/9/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFull, Unfinished
Lot Size66 × 329 Feet
CountyWaterloo
Annual Tax$9,261
Legal DescriptionLT 15 PL 497 CITY OF WATERLOO; WATERLOO

Parking & Garage

Parking Spaces10.0
Garage Spaces9
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingNone

Features

Property Features

Arts Centre, Hospital, Library, Park, Place Of Worship, Public Transit

Interior Features

Other, Water Heater

Security Features

Community Features

Location

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78 William 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 78 William Street W, Waterloo, ON N2L 1J7

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.

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Interest Rate5.25%
Down Payment$279,578 (20.0%)
* Minimum Canadian down payment required for this price is $279,578.
Amortization Period25 Years
Estimated Monthly Payment$6,664Based on a loan of $1,118,310 over 25 years.
Purchase Price$1,397,888
Loan Amount$1,118,310
Provincial Land Transfer Tax:$24,433
Total Estimated Closing Taxes:$24,433

About Purchasing a Home in Waterloo, ON

For a property listed at $1,397,888 in Waterloo, the legal minimum down payment is $279,578 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 $24,433 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 $24,433.

Nearby Listings

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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$797,384

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.