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Property Type: Detached HouseOwnership: Freehold
162 JOSEPH STREET
Kitchener, ON N2G1J4
MLS® X13785850
$575,000
4 bed2.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 43 x 109 FT
- Frontage
- 43 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,504 (2025)
Interior
- Basement
- Unfinished, Full
- Heating
- Baseboard heaters, Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Primary Bedroom | Second level | — |
| Other | Basement | — |
| Utility room | Basement | — |
| Living room | Main level | — |
| Office | Main level | — |
| Bathroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to 162 Joseph Street, a 4-bedroom, 2-bathroom home full of classic character in one of Kitchener's most sought-after neighbourhoods. Move-in ready as-is, it's also a great opportunity for a buyer looking to add their own personal touch and build in something truly their own - a project with real upside in a prime location.Tucked into a walkable pocket of Kitchener, this home is minutes from the historic Victoria Park and close to an ION LRT stop, putting downtown Kitchener and Waterloo within easy reach. You're also near to the Kitchener Market, Centre In The Square, Grand River Hospital, and the Innovation District around the Tannery - home to Google Kitchener and a growing tech scene.Inside, original hardwood floors, tall baseboards, an arched doorway, and a striking wood staircase set the tone. The kitchen offers a large centre island and a walkout to the back deck, while sun-filled living and dining rooms offer great everyday space. A main-floor bathroom and side entrance complete the first level.Upstairs, a roomy primary bedroom with its own walk-in closet leads three more well-proportioned bedrooms and a second full bathroom - great for family, roommates, or rental income.Outside - a fenced backyard with deck and mature trees, a detached single-car garage, and a long driveway with excellent parking.With its unbeatable location near great amenities, classic character, and strong investment potential, 162 Joseph Street is worth seeing for yourself. (id:63159)
Listing Information
- MLS®
- X13785850
- Tax assessment year
- 2025
- Data last synced
- October 18, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13785850
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: 4 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: 5.7% ($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.)$375.33
Total monthly cost$3,343.10
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.
