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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
11 ROCK Avenue
Kitchener, ON N2M2N9
MLS® 40873381
90
Walk Score
56
Transit
96
Bike
$689,900
3 bed2 bath3 parking1,097 sqftBuilt 1940
90
Walk Score
56
Transit
96
Bike
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 1.5
- Lot size
- 0.13 acres
- Frontage
- 46 feet
C2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,525.57
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 20'10'' x 10'9'' |
| Laundry room | Basement | 7'0'' x 2'3'' |
| 3pc Bathroom | Basement | 7'0'' x 10'3'' |
| Bedroom | Basement | 13'1'' x 13'5'' |
| Bedroom | Second level | 12'0'' x 10'4'' |
| 4pc Bathroom | Second level | 5'0'' x 8'0'' |
| Primary Bedroom | Second level | 13'0'' x 11'0'' |
| Kitchen | Main level | 9'9'' x 13'8'' |
| Dining room | Main level | 9'1'' x 11'0'' |
| Living room | Main level | 12'8'' x 11'0'' |
| Office | Main level | 11'9'' x 10'4'' |
| Foyer | Main level | 7'9'' x 4'11'' |
Description
WELCOME TO BELMONT VILLAGE! On a quiet, tree-lined Westmount street, steps to Belmont’s cafes, restaurants and shops, with Uptown Waterloo an easy walk or bike via the Iron Horse Trail. Grand River Hospital, ION LRT, Victoria Park, golf, great schools and Downtown Kitchener all minutes away. Solid-brick character with real curb appeal: arched wood door, stained glass, landscaped gardens, interlock drive and attached garage (parking for 3). Hardwood floors flow through a sun-filled living room with original French door into a formal dining room with glass chandelier. Kitchen with butcher-block counters, open shelving and walkout to the deck. Upstairs: 2 generous bedrooms with walk-in closets and a 4-pc bath. Lower level offers a rec room, office nook, laundry and 3-pc bath. Outside, a rare 46.5 x 120 ft lot with oversized deck, mature trees and a private, fully fenced yard. Charm, space and an unbeatable address! (id:63161)
Listing Information
- MLS®
- 40873381
- Data last synced
- October 27, 2026
Realty World Legacy
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Realty World Legacy
MLS® Number: 40873381
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
$629/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$528/sqft
22 active listing(s)
Parking: 3 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: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$515.46
Total monthly cost$4,076.26
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,008.22
Cash Needed at Closing
Minimum down payment$43,990
Estimated Land Transfer Tax (LTT)$10,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,763
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.
