327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON

$2,390,000
MLS#:X12834348
0 beds
8 baths
Commercial
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Added:Mar 1, 2026(180 days ago)
Updated:May 6, 2026(114 days ago)
Last Checked:13 minutes ago

Property Highlights

Welcome to this remarkable investment located in the coveted neighborhood of Waterloo. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $2,390,000 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.

  • 0 Bedrooms and 8 Bathrooms
  • Premium 52.87 x 140.05 ft lot size
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

Fourplex Apartment With 4 Units As Each Units With 5 Rooms And 2 Full 4pcs Washrooms. Open Concept Kitchen, Living Room And Ensuite Laundry In Each Unit. Each Unit Contains Individual High Efficiency Furnances And Air Conditioners. University Of Waterloo, Wilfrid Laurier And Conestoga College Are Just Minutes Away From This Building. High Ceiling Through Out All Units. Fully Renovated Basement. Brand New AC In Unit 2, Brand New Furnace In Unit 1.Just A Minute Walk To Public Transit And Amenities. Each Unit Has An Individual Mail Box. High Demand For Student Rental.

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 investment located at 327 Spruce Street, Waterloo is currently for sale and has been available on SousaSells for 180 days. This property is listed at $2,390,000 with an estimated mortgage of $7,955* per month. It has 0 beds, 8 bathrooms, and is unknown square feet. 327 Spruce Street, 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?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Waterloo.

Great for Small Household / Couples
What We Love About This Home
  • •8 well-appointed bathrooms
  • •Desirable Investment architecture in Waterloo
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bathrooms
8
Property Type
Commercial

Additional Details

StatusPrice Change
AddedMar 1, 2026 (180 days ago)
UpdatedMay 6, 2026 (114 days ago)
Last Checked13 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeInvestment
Lot Size52.87 Ă— 140.05 Feet
CountyWaterloo
Annual Tax$19,622.5
Legal DescriptionLT 3 PL 1087 CITY OF WATERLOO; WATERLOO

Parking & Garage

Parking Space8
Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • Yes

Community Features

  • Major Highway
  • Recreation/Community Centre

Frequently Asked Questions about 327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON

Q.What is the asking price for 327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON ?

The current listing price for 327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON in Waterloo is $2,390,000.

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

This property features null bedrooms and 8 bathrooms.

Q.What property type and architectural style is 327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON ?

327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON is a Investment () featuring a basement.

Q.What neighborhood and community amenities are nearby?

Community features and nearby amenities include: Major Highway, Recreation/Community Centre.

Q.What security features are installed at 327 Spruce Street, Unit 4 Units W/20 Rms, Waterloo, ON ?

Security features include: Yes.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

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Location

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327 Spruce Street, Unit 4 Units W/20 Rms, 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 327 Spruce Street 4 Units W/20 Rms, Waterloo, ON N2L 3M6

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$717,000 (30.0%)
* Minimum Canadian down payment required for this price is $478,000.
Amortization Period30 Years
Estimated Monthly Payment$7,955Based on a loan of $1,673,000 over 30 years.
Purchase Price$2,390,000
Loan Amount$1,673,000
Provincial Land Transfer Tax:$46,225
Total Estimated Closing Taxes:$46,225

About Purchasing a Home in Waterloo, ON

For a property listed at $2,390,000 in Waterloo, the legal minimum down payment is $478,000 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 $46,225 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 $46,225.

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$864,746

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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