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Property Type: Detached HouseOwnership: Freehold
162 CHURCH Street
Kitchener, ON N2G1S6
MLS® 40868813
$575,000
4 bed3 bath2 parking1,807 sqftBuilt 1895
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 37 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,527
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Ensuite bath | Second level | — |
| Primary Bedroom | Second level | 15'9'' x 13'11'' |
| Bedroom | Second level | 9'8'' x 11'2'' |
| 4pc Bathroom | Second level | — |
| Eat in kitchen | Second level | 12'7'' x 7'5'' |
| Living room/Dining room | Second level | 13'1'' x 12'9'' |
| Primary Bedroom | Main level | 15'9'' x 13'9'' |
| Bedroom | Main level | 10'4'' x 11'2'' |
| 4pc Bathroom | Main level | — |
| Living room/Dining room | Main level | 13'1'' x 12'9'' |
| Eat in kitchen | Main level | 15'10'' x 7'6'' |
Description
162 Church Street is set in downtown Kitchener's historic South Ward. This solid, double-brick duplex is set on top of Cedarhill. Just steps from Kitchener's famed Farmer's Market and all the boutiques, restaurants and retail in the downtown core. The residence features a pair of spacious two bedroom units each approximately 900 sq. ft.. The main floor unit has been freshly painted, tenants or potential owner/operators will love the 10ft ceilings and large windows, two large bedrooms, and full bathroom. Set market rate rents for this unit (now vacant) and choose tenants for your portfolio. The upper unit (currently tenanted) has the same layout but adds a convenient second, 3 piece ensuite bathroom in the primary bedroom. There is plenty of storage available in the walkout basement, including a common laundry area. The electricity has dual meters for each unit plus a landlord meter. Each unit receives a parking space, (back or front), while the driveway is mutual/shared with 166 Church. Built in 1895, this historic property offers enduring charm and location. Buy with confidence, pre-listing inspection completed with Green Trust Services. Excellent value on offer here for First Time Home Buyers or Investors. (id:63159)
Listing Information
- MLS®
- 40868813
- Data last synced
- October 18, 2026
Benjamins Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Benjamins Realty Inc.
MLS® Number: 40868813
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
$318/sqft
Building average
—
No other active listings in this building
311 - Downtown/Rockway/S. Ward average
$401/sqft
20 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
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: 5.7% ($32,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$460,000.00
Periodic payment — Principal & Interest (monthly)$2,967.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$383.92
Total monthly cost$3,351.68
Interest paid over 5-yr term$131,837.32
Balance at end of term$413,771.49
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$32,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,206.40
Cash Needed at Closing
Minimum down payment$32,500
Estimated Land Transfer Tax (LTT)$7,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$41,975
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.
