Loading…
Property Type: Detached HouseOwnership: Freehold
12 HILL Street
Kitchener, ON N2H5T1
MLS® 40869057
$399,000
3 bed2 bath2 parking1,425 sqftBuilt 1965
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 3
- Frontage
- 40 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $3,812
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Third level | 8'6'' x 11'9'' |
| Cold room | Basement | — |
| Bonus Room | Basement | — |
| Recreation room | Basement | 11'11'' x 14'11'' |
| Bedroom | Third level | 9'0'' x 10'9'' |
| Primary Bedroom | Third level | 9'5'' x 12'11'' |
| 3pc Bathroom | Third level | — |
| 3pc Bathroom | Main level | — |
| Family room | Main level | 17'9'' x 23'1'' |
| Kitchen | Second level | 9'6'' x 18'3'' |
| Living room | Second level | 14'0'' x 14'11'' |
Description
Fantastic opportunity for first-time buyers, investors, or renovators! This 4-level backsplit is ideally situated on a quiet street next to a park and features a good-sized lot with plenty of potential. The home offers a versatile layout and an excellent opportunity to add your personal touch, build equity, or unlock its investment potential. Bring your vision and creativity to make this property your own. A great opportunity for those looking to get into the market or expand their real estate portfolio. Don’t miss out! (id:63161)
Listing Information
- MLS®
- 40869057
- Data last synced
- October 23, 2026
Revel Realty Inc., Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Revel Realty Inc., Brokerage
MLS® Number: 40869057
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
$280/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$405/sqft
36 active listing(s)
Parking: 2 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% ($19,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$319,200.00
Periodic payment — Principal & Interest (monthly)$2,059.37
Additional monthly expenses (condo fees, tax, utilities, etc.)$388.67
Total monthly cost$2,448.04
Interest paid over 5-yr term$91,483.64
Balance at end of term$287,121.43
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,950
Stress test qualifying rate8.19%
Payment you must qualify for$2,939.06
Cash Needed at Closing
Minimum down payment$19,950
Estimated Land Transfer Tax (LTT)$4,460
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,910
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.
