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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
109 INDIAN Road
Kitchener, ON N2B2S6
MLS® 40873350
73
Walk Score
47
Transit
72
Bike
$499,900
3 bed2 bath4 parking1,707 sqftBuilt 1968
73
Walk Score
47
Transit
72
Bike
Open House
Saturday, October 31
1:00 PM – 3:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Frontage
- 54 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,993.04
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Basement | 7'6'' x 6'3'' |
| Laundry room | Basement | 11'8'' x 10'5'' |
| Recreation room | Basement | 22'9'' x 11'4'' |
| Office | Basement | 11'0'' x 7'4'' |
| 4pc Bathroom | Main level | 6'9'' x 7'2'' |
| Bedroom | Main level | 12'9'' x 8'3'' |
| Bedroom | Main level | 10'9'' x 7'5'' |
| Primary Bedroom | Main level | 10'9'' x 11'7'' |
| Dining room | Main level | 9'2'' x 8'11'' |
| Living room | Main level | 14'3'' x 11'7'' |
| Kitchen | Main level | 9'2'' x 13'0'' |
Description
Welcome to 109 Indian Road, Kitchener — an opportunity to own a detached home with a garage at an attractive price point! For buyers looking to break into the market, this raised bungalow offers space, functionality and the chance to build equity with a little updating and personal touch. Located in an established neighbourhood with access to nearby parks, schools, public transit and everyday shopping, this home offers a practical balance of convenience and comfortable living, with downtown Kitchener within easy reach. The main floor features a layout that flows from the living room to the dining room and kitchen. Sliding glass doors overlook the large, fully fenced backyard, providing a great space to relax, garden or entertain. Three bedrooms and a full bathroom complete the main level. The finished basement adds valuable living space, featuring a large recreation room, a second three-piece bathroom and an additional room ideal for a home office, hobby room or potential fourth bedroom. An electric fireplace creates a cozy atmosphere, while convenient access to the garage adds to the home's usability. Why pay more for someone else's renovations when you can make it your own? With a great functional layout and no need to reconfigure the space, this home is ready for your ideas. Add your own style over time and make the most of the opportunity to own a detached home in Kitchener. Whether you're a first-time buyer, a budget-conscious family or an investor looking for potential, 109 Indian Road is an opportunity to get into the detached home market and make it your own! (id:63161)
Listing Information
- MLS®
- 40873350
- Data last synced
- October 27, 2026
Benjamins Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Benjamins Realty Inc.
MLS® Number: 40873350
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$293/sqft
Building average
—
No other active listings in this building
224 - Heritage Park/Rosemount average
$406/sqft
20 active listing(s)
Parking: 4 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
256,885
(2021 Census)
+10.1% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$417.75
Total monthly cost$2,997.90
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
