99 Stillwater Street, Waterloo, ON

$999,900
MLS#:X13511586
3 beds
3 baths
2000-2500 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 vinyl siding and brick construction, this residence presents an exceptional opportunity offered at $999,900 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.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 30.14 x 107.39 ft lot
  • Features a unfinished, walk-out, separate entrance 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: Sump Pump, Water Softener
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 99 Stillwater Street, where privacy, nature, and lifestyle come together in the heart of desirable Lackner Woods. Set on a premium walkout lot with elevated views over the surrounding greenspace and treetops, this beautifully maintained 3-bed, 3-bath home offers a rare sense of peace and separation while still being close to everything your family needs. From the moment you arrive, the home feels inviting, cared for, and quietly special. The outdoor living space is a true highlight, with an impressive 14' x 30' deck spanning the back of the home. Whether you are enjoying a quiet morning coffee, hosting summer dinners, or simply taking in the changing seasons, this private treetop setting creates a peaceful backdrop for everyday life. Inside, the home is warm, bright, and thoughtfully designed. The stunning kitchen will impress any chef, featuring beautiful maple cabinetry, stone countertops, a sleek glass tile backsplash, and an inviting layout that keeps everyone connected. Custom blinds throughout, a spacious second-floor family room with soaring cathedral ceilings, and convenient second-floor laundry add both comfort and function. At the end of the day, the primary suite offers the retreat you deserve, complete with a large walk-in closet and a luxurious ensuite where you can soak away the day in the 5-foot Jacuzzi tub or refresh in the custom glass shower. The walkout basement is filled with natural light from large lookout windows and offers endless possibilities for future living space, with a bathroom rough-in already in place. An exposed aggregate driveway adds to the home's polished curb appeal. Just steps from scenic trails, parks, the Grand River, and some of Kitchener's top-rated schools, this is a rare opportunity to own a beautifully cared-for home in one of the city's most sought-after family neighbourhoods. A truly special property offering comfort, privacy, nature, and everyday convenience.

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Key Features

Bedrooms
3
Bathrooms
3
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
ConstructionVinyl Siding, Brick
BasementUnfinished, Walk-Out, Separate Entrance
Lot Size30.14 × 107.39 Feet
CountyWaterloo
Annual Tax$6,417
Legal DescriptionLOT 16, PLAN 58M566 SUBJECT TO AN EASEMENT FOR ENTRY AS IN WR858013 SUBJECT TO AN EASEMENT FOR ENTRY AS IN WR937830 CITY OF KITCHENER

Parking & Garage

Parking Spaces4.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Greenbelt/Conservation, River/Stream, Park, Public Transit, School

Interior Features

Sump Pump, Water Softener

Security Features

Smoke Detector

Community Features

Location

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99 Stillwater 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 99 Stillwater Street, Waterloo, ON N2A 0J1

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$74,990 (7.5%)
* Minimum Canadian down payment required for this price is $74,990.
Amortization Period25 Years
Estimated Monthly Payment$5,512Based on a loan of $924,910 over 25 years.
Purchase Price$999,900
Loan Amount$924,910
Provincial Land Transfer Tax:$16,473
Total Estimated Closing Taxes:$16,473

About Purchasing a Home in Waterloo, ON

For a property listed at $999,900 in Waterloo, the legal minimum down payment is $74,990 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 $16,473 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 $16,473.

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$798,513

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.