- Bedrooms
- 3+1
- Bathrooms
- 3
- Size
- 1,100–1,500sq ft
- Per sq ft
- $608at the range’s middle
- Lot
- 105.11 x 88.47 ft
- Tax a year
- $4,8842026 tax year
- Built
- 31-50
- Parking
- 31 attached
- Days on market
- Members
The brief
About 590 Fern Rd
590 Fern Rd is a 3+1-bedroom, 3-bathroom detached house in Waterloo, listed for sale at an asking price of $789,900 (MLS® X13700768).
Pride of ownership and meticulous care is evident throughout. Updated kitchen by BARZOTTI, quality craftmanship with soft close cabinets and drawers. You've worked Hard now enjoy your Inviting retreat with 2 tier deck featuring wood beam Pergola with privacy blind. You will enjoy the beautiful gardens. Spacius 14'x 14'custom built shed with its own spacious concrete patio. All enclosed in private fully fenced yard with gates to back trailer into yard.Spoil Yourself, guests & your family! RARE OPPORTUNITY IN THE PRESTIGIOUS LAKESHORE NORTH NEIGHBOURHOOD in Waterloo. Bright & Spacious Beautifully Renovated home on a Huge Lot. Move-In Condition. Exceptional accessibility to get around the city. Plus excellent schools & parks. MUD ROOM shower and Laundry walkin from garage. Main floor 3rd bedroom is now aranged as in home office. Windows filled with natural light. Separate dining area with W/O to a Huge Deck.The Basement is Very Bright with large above grade Windows. It has a 4th Bedroom & a Large RecRoom with a gas fireplace. This offers flexibility as a Home Office, Guest Suite, Studio, Entertainment Area or the Perfect Multi-Generational Extended Family Living Opportunity.Close to U of W & Wilfried Laurier. The Future Waterloo Region Hospital is minutes away. Closely located to shopping, St.Jacobs Farmers Market, Uptown Waterloo, Conestoga Mall, restaurants, public transit, ION LRT, easy access Hwy 85. Minutes from Trans Canada Trail Waterloo & Laurel Creek Conservation Area.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall42/100−$711/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 12 detached homes with 4 bedrooms for lease in Waterloo right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,884 / 2026
- MLS® number
- X13700768
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 31-50
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 105.11 x 88.47 ft
- Listed on
- Parking
- 1 Attached, 3 Parking
Property details
Property
- Property Type
- Detached
- Style
- Bungalow-Raised
- Municipality
- Waterloo
Building
- Size
- 1100-1500 sqft
- Building Age
- 31-50
- Construction
- Brick
Inside
- Bedrooms
- 3+1
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Main, 1 × 2pc Bsmt, 1 × 2pc Bsmt
- Basement Type
- Development Potential
- Kitchens
- 1
Parking
- Driveway
- Available, Front Yard, Pvt Double
- Garage Type
- Attached
- Garage
- 1
- Additional Parking
- 2
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 105.11 ft
- Depth
- 88.47 ft
- Lot Size
- 105.11 x 88.47 ft
Additional
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Stainless steel samsung fridge, bosch dishwasher, kitchen aid gas stove, all window coverings and draperies,
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Dining | 3.53 × 2.29 m | hardwood floor, W/O To Deck, Sliding Doors | Main |
| Living | 3.53 × 4.56 m | Bay Window, hardwood floor | Main |
| Primary | 3.13 × 4.13 m | hardwood floor, B/I Closet | Main |
| Kitchen | 2.25 × 2.79 m | Renovated, Ceramic Floor, B/I Appliances | Main |
| 2nd Br | 3.47 × 2.96 m | hardwood floor, Closet | Main |
| 3rd Br | 3.13 × 4.13 m | Double Closet, hardwood floor | Main |
| Bathroom | 2.25 × 2.79 m | 4 Pc Bath | Main |
| Rec | 3.51 × 7.36 m | Gas Fireplace, Above Grade Window, Laminate | Bsmt |
| 4th Br | 3.82 × 3.58 m | Above Grade Window | Bsmt |
| Bathroom | 1.52 × 2.45 m | 2 Pc Bath | Bsmt |
| Bathroom | 5.73 × 2.72 m | 2 Pc Bath, Laundry Sink, Access To Garage | Bsmt |
Listing history
Buy/sell history for 590 Fern Rd, Waterloo, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $789,900 | N/A | Pc | X13700768 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $157,980
- Total mortgage amount
- $631,920
- Total interest payment
- $449,280
- Total purchase cost
- $1,239,180
- Mortgage payment
- $3,604/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
36%Monthly carrying cost
$4,011- Rent $3,300
- Shortfall $711
Rental income opens at $3,300, the median asking rent of 12 comparable homes for lease in Waterloo. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $12,273
- Total land transfer tax
- $12,273
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $8,273
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $789,900
- $7,798
- Ontario total
- $12,273
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Street frontage
- 105.11 ft32 m
- Depth
- 88.47 ft27 m
The record marks this lot irregular, so its area is not the frontage multiplied by the depth. It is not given here. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by GeoWarehouse.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation4
- No mapped wetland within 120 m120 m
- 1 water-supply well recorded within 250 mIt was drilled for domestic use; 1 test or monitoring hole also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 63.4 m.250 m
- Groundwater recorded about 14 m below ground nearbyThe middle water level in the well records within 500 m (5 records). It changes with the season and from spot to spot.500 m
- Bedrock about 70.1 m down nearbyThe middle depth to bedrock in the well records within 500 m.500 m
Province of Ontario open data
Planning and building activity1
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
Province of Ontario open data
Around the home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Ultra Manufacturing Ltd. — Ultra Manufacturing - 640 Conrad Place, 1.2 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Enova Power Corp.At the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, CIK Telecom, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Waterloo Wireless, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Detached homes for sale in Waterloo right now
- For sale now
- 109
- Median asking price
- $935K
- New in 7 days
- 11
- Price cuts
- 27%
Middle half: $769K to $1.2M
47 in 28 days
29 listings
This home is asking 16% below the median.
See all homes in WaterlooAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Northfield | GRT light rail: ION light rail | 1.3 km |
| Research and Technology | GRT light rail: ION light rail | 1.9 km |
| Conestoga | GRT light rail: ION light rail | 2.4 km |
| University of Waterloo | GRT light rail: ION light rail | 2.8 km |
| Laurier - Waterloo Park | GRT light rail: ION light rail | 3.5 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Sir Edgar Bauer Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 · French Immersion | 550 m | 75%Grade 6 average |
| Northlake Woods Public SchoolWaterloo Region DSB | Public · grades JK–8 | 550 m | 91%Grade 6 average |
| N A MacEachern Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 650 m | 81%Grade 6 average |
| ÉÉC Mère-Élisabeth-BruyèreConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 4.1 km | 85%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St David Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 · French Immersion | 2.7 km | 67%Grade 9 math |
| Waterloo Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 2.9 km | 57%Grade 9 math |
| Laurel Heights Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 3.9 km | 83%Grade 9 math |
| Bluevale Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 5.2 km | 75%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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