223 Carter Avenue, Waterloo, ON

$645,000
MLS#:X13737826
4 beds
2 baths
700-1100 sqft
3.0 parking
Residential Freehold
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Added:Sep 2, 2026(today)
Updated:Sep 2, 2026(today)
Last Checked:18 minutes ago

Property Highlights

Welcome to this remarkable Bungalow 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 $645,000 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 45 x 115 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: In-Law Capability, Primary Bedroom - Main Floor, Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

A distinctive Waterloo home where timeless character meets thoughtful modern design. 223 Carter Avenue has been transformed with warm natural textures, rich wood tones and beautifully considered finishes throughout. The showpiece kitchen features custom eucalyptus-toned cabinetry, quartz countertops, an appliance garage, soft-close drawers, sheetpan cupboard, utensil built-in drawer and a cleverly concealed coffee station tucked behind cabinetry doors-keeping everyday essentials beautifully organized and out of sight. The kitchen opens naturally to the living and dining spaces, complemented by a striking cedar ceiling, engineered hardwood and natural light. The main level continues with comfortable bedrooms and a beautifully appointed bathroom featuring heated floors and a heated towel rack, again beautifully updated. The lower level offers an impressive second living space with a generous recreation room, custom bar, gas fireplace, fourth bedroom (or den, gym), 3piece bath and walk-up access. Perfect for entertaining, movie nights, guests, a home office or growing families. Outside, enjoy a private backyard and custom patio in an established Waterloo neighbourhood close to parks, schools, shopping, transit, laurel trail and everyday amenities. Distinctive, warm and thoughtfully designed-223 Carter Avenue is anything but ordinary.

Upcoming Open Houses

Thursday, September 3, 20264:30 PM - 6:30 PMPublic
Saturday, September 5, 20261:00 PM - 3:00 PMPublic
Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 223 Carter Avenue, Waterloo is currently for sale and has been available on SousaSells for 0 days. This property is listed at $645,000 with an estimated mortgage of $2,147* per month. It has 4 beds, 2 bathrooms, and is 700-1100 square feet. 223 Carter Avenue, Waterloo

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Waterloo.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •700-1100 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Waterloo.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedSep 2, 2026 (today)
UpdatedSep 2, 2026 (today)
Last Checked18 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding, Brick
BasementFinished
Lot Size45 Ă— 115 Feet
CountyWaterloo
Annual Tax$3,904
Legal DescriptionLT 33 PL 1184 CITY OF WATERLOO; S/T 298243; WATERLOO

Parking & Garage

Parking Total3.0
Parking Space3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • In-Law Capability
  • Primary Bedroom - Main Floor
  • Water Heater
  • Water Softener
  • Workbench

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 223 Carter Avenue, Waterloo, ON

Q.What is the asking price for 223 Carter Avenue, Waterloo, ON ?

The current listing price for 223 Carter Avenue, Waterloo, ON in Waterloo is $645,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 2 bathrooms across approximately 700-1100 sqft.

Q.What property type and architectural style is 223 Carter Avenue, Waterloo, ON ?

223 Carter Avenue, Waterloo, ON is a Detached (Bungalow) featuring a Finished basement.

Q.What interior features are included in this home?

Interior highlights include: In-Law Capability, Primary Bedroom - Main Floor, Water Heater, Water Softener, Workbench.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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223 Carter Avenue, Waterloo, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Waterloo, Waterloo

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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 223 Carter Avenue, Waterloo, ON N2J 3K7

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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$193,500 (30.0%)
* Minimum Canadian down payment required for this price is $39,500.
Amortization Period30 Years
Estimated Monthly Payment$2,147Based on a loan of $451,500 over 30 years.
Purchase Price$645,000
Loan Amount$451,500
Provincial Land Transfer Tax:$9,375
Total Estimated Closing Taxes:$9,375

About Purchasing a Home in Waterloo, ON

For a property listed at $645,000 in Waterloo, the legal minimum down payment is $39,500 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 $9,375 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 $9,375.

Waterloo 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$872,820

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%

Best Schools in Waterloo

Elementary Schools

L'Harmonie
Public158 Bridgeport Road East, Waterloo, Ontario, N2J 2K4
6.5
Elizabeth Ziegler
Public90 Moore Avenue South, Waterloo, Ontario, N2J 1X2
6.3
Winston Churchill
Public100 Milford Avenue, Waterloo, Ontario, N2L 3Z3
5.5
Our Lady of Lourdes
Public55 Roslin Avenue South, Waterloo, Ontario, N2L 6N5
5.0
Mère-Élisabeth-Bruyère
Public280 Glenridge Drive, Waterloo, Ontario, N2J 3W4
6.8

Secondary Schools

St. David
Catholic4 High Street, Waterloo, Ontario, N2L 3X5
8.0
Bluevale
Public80 Bluevale Street North, Waterloo, Ontario, N2J 3R5
7.0

Waterloo Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

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.

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