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Property Type: Detached HouseOwnership: Freehold
148 LYDIA STREET
Kitchener, ON N2H1V8
MLS® X13871572
$499,900
2 bed2 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 37 x 100 FT
- Frontage
- 37 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,077.4
Interior
- Basement
- Finished, N/A
- Heating
- Other, Other
- Cooling / A/C
- None
Description
Welcome to 148 Lydia Street, tucked away on one of the East Ward's most sought-after streets. This charming century home has had just two owners and is filled with character, warmth and some pretty special history. The main floor features beautiful hardwood flooring, a three-piece bathroom and a cozy living room centred around a stunning stone fireplace, hand-built by the original owner using stones collected from the surrounding fields. From there, you'll move into the dining room with its adorable built-in window bench, followed by a bright kitchen with granite countertops and access to the separate side entrance. Upstairs you'll find two bedrooms, including a spacious walk-in closet, along with a beautifully updated bathroom with heated flooring. The finished basement adds even more living space, while outside you'll find a composite deck, private yard and detached garage. Full of original charm while offering the updates and functionality you want, this is one of those homes that just feels special the moment you walk in, all in an incredible East Ward location close to parks, trails, schools, downtown and everything Kitchener has to offer. (id:63159)
Listing Information
- MLS®
- X13871572
- Data last synced
- October 16, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13871572
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: 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: 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.)$339.78
Total monthly cost$2,919.93
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.
