97 Westmount Road S, Waterloo, ON N2L 2L4
Listed by Richard G. Steinmann • RE/MAX TWIN CITY REALTY INC.
97 Westmount Road S , Waterloo, ON N2L 2L4
$ 799,000
Bed Rooms
3
Bath Rooms
3
SqFt
2,059
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Virtual Tour
50 photos
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Year Built
1958
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$388
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Square Footage
2,059 sqft
MLS Listing ID
40841569
Style
Sidesplit
Bedrooms
3
Full Baths
1
Half Baths
2
Abv Grd Liv Area
2,059
Annual Tax Amount
$5,494
Lot Size
8,712 Sqft
Acres
0.2
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
4 - Waterloo West
Zoning
SR3
Direction
Corner of Stanley and Westmount Rd S, behind Peter Boos Park
Rooms
Basement
Full, Unfinished
Bedroom 2
3
Kitchen
0
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Gas Hot Water
Cooling
None
Fireplaces Number
1
Fireplaces Type
Living Room
Fireplace
Yes
Appliance
Water Heater Owned, Water Softener, Dishwasher, Dryer, Hot Water Tank Owned, Refrigerator, Stove, Washer
Laundry
In Hall
Exterior
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Roof Type
Asphalt Shing
Lot Frontage
80.0
Lot Depth
107.5
Garage
Yes
Building
Lot Description
Urban, Rectangular, Corner Lot, Hospital, Shopping Nearby
Faces
Corner of Stanley and Westmount Rd S, behind Peter Boos Park
Story
4
Sewer
Sanitary
Water
Municipal-Metered
Architectural Style
Sidesplit
Level or Stories
3
Structure Type
Brick Veneer,Wood Siding
New Construction
No
Others
Senior Community
No
Tax ID
224030084
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/97_westmount_road_south_waterloo_on/
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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97 Westmount Road S

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Navjot Singh

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