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Property Type: Detached HouseOwnership: Freehold
127 SPADINA ROAD E
Kitchener, ON N2M3X5
MLS® X14083482
$277,000
2 bed2.5 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 44 x 70 FT
- Frontage
- 44 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,086 (2026)
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Family room | Main level | — |
| Recreational, Games room | Basement | — |
| Bathroom | Basement | — |
| Utility room | Basement | — |
Description
A great opportunity to own a bungalow in the St. Mary's District on a beautiful tree-lined street, offering 1,350 sq ft of finished living space with 2 bedrooms and 1.5 bathrooms. Being a home owner hasn't been this affordable in years - this property is a practical choice for buyers ready to make updates and add their own touches to their new home. Its functional layout suits first-time buyers, downsizers, or investors looking for an excellent price entry point with room to add value. Outside, you'll find a private, good-sized yard with a partial fence, a shed, and a carport, plus parking for two cars. Close to St. Mary's Hospital, downtown, Victoria Park, and public transit, and quick access to highways. (id:63159)
Listing Information
- MLS®
- X14083482
- Tax assessment year
- 2026
- Data last synced
- October 16, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14083482
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
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($13,850) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$221,600.00
Periodic payment — Principal & Interest (monthly)$1,429.69
Additional monthly expenses (condo fees, tax, utilities, etc.)$257.17
Total monthly cost$1,686.85
Interest paid over 5-yr term$63,511.20
Balance at end of term$199,329.92
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$13,850
Stress test qualifying rate8.19%
Payment you must qualify for$2,040.40
Cash Needed at Closing
Minimum down payment$13,850
Estimated Land Transfer Tax (LTT)$2,630
Legal / closing costs (typical estimate)$1,500
Total cash needed$17,980
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.