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Property Type: Detached HouseOwnership: Freehold
121 PARK STREET
Kitchener, ON N2G1M5
MLS® X13876050
$629,000
3 bed3 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2.5
- Lot size
- 36 x 143.3 FT ; 36.09 x 96.90 x 42.62 x16.18 x143.3ft
- Frontage
- 36 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,119.57
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Basement | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bathroom | Second level | — |
| Loft | Upper Level | — |
| Kitchen | Basement | — |
| Bedroom 3 | Basement | — |
Description
Charming red brick detached 2-bedroom + loft in one of Kitchener's most sought-after locations,steps to Victoria Park and Google. The main floor offers a bright, open-concept layout - perfect for everyday living and entertaining. Upstairs you'll find two well-appointed bedrooms. The primary boasts its own ensuite, plus a second 4-piece bath serves the second bedroom. Convenient second-floor laundry. The third-floor loft is a fantastic bonus space - ideal for a home office, studio, or cozy reading retreat. Lower level is partially finished, with a 4 pc bath can be used as a family room, 3rd bedroom or In-law Suite. (Kitchen Rough In).Walk to Victoria Park, cafes, trails, and downtown Kitchener. Minutes to the LRT, Google, shopping and all amenities. A rare opportunity to own a detached home in the heart of the city with character, updates, and unbeatable location. (id:63159)
Listing Information
- MLS®
- X13876050
- Data last synced
- October 15, 2026
FOREST HILL REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: FOREST HILL REAL ESTATE INC.
MLS® Number: X13876050
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Kitchener average
$400/sqft
504 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
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Mortgage & Ownership Cost Calculator
Minimum required: 6.0% ($37,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$503,200.00
Periodic payment — Principal & Interest (monthly)$3,246.48
Additional monthly expenses (condo fees, tax, utilities, etc.)$343.30
Total monthly cost$3,589.77
Interest paid over 5-yr term$144,218.57
Balance at end of term$452,630.03
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$37,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,583.24
Cash Needed at Closing
Minimum down payment$37,900
Estimated Land Transfer Tax (LTT)$9,055
Legal / closing costs (typical estimate)$1,500
Total cash needed$48,455
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.
