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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
165 MCGARRY DRIVE
Kitchener, ON N2N1A8
MLS® X14120508
48
Walk Score
46
Transit
52
Bike
$645,000
4 bed2.5 bath3 parking
48
Walk Score
46
Transit
52
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 45 x 115 FT
- Frontage
- 45 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,485
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Other | Basement | — |
| Utility room | Basement | — |
| Family room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
| Recreational, Games room | Basement | — |
| Other | Basement | — |
Description
This four-bedroom family home in desirable Forest Heights offers over 2,200 square feet of living space. A charming tumbled brick front porch invites you inside, where original hardwood and thoughtful updates create a warm, comfortable setting. An impressive family room addition features soaring ceilings, a dramatic floor-to-ceiling gas fireplace and spectacular backyard views. A very private rear patio provides an inviting space to relax and entertain, surrounded by beautiful landscaping and spectacular gardens. The family-friendly mudroom offers a convenient drop zone for backpacks, boots and everyday essentials. Downstairs, the spacious rec room is ideal for family gatherings, movie nights and entertaining, while two dedicated workshops provide plenty of room for hobbies and projects. Exceptionally well maintained, with most windows updated, this home is set in a mature, established neighbourhood close to schools, parks and shopping, with easy expressway access. Enjoy generous living areas, a private backyard and opportunities to add your personal touches. Lovingly maintained by its original owner, this wonderful family home is ready for its next chapter! (id:63161)
Listing Information
- MLS®
- X14120508
- Data last synced
- October 28, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14120508
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: 6.1% ($39,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$516,000.00
Periodic payment — Principal & Interest (monthly)$3,329.06
Additional monthly expenses (condo fees, tax, utilities, etc.)$373.75
Total monthly cost$3,702.81
Interest paid over 5-yr term$147,887.08
Balance at end of term$464,143.67
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,694.89
Cash Needed at Closing
Minimum down payment$39,500
Estimated Land Transfer Tax (LTT)$9,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,375
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.
