Loading…
Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED
169 BRUCE STREET
Kitchener, ON N2B1Z2
MLS® X14112732
81
Walk Score
41
Transit
69
Bike
$749,900
6 bed2 bath6 parking
81
Walk Score
41
Transit
69
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 61 x 111 FT
- Frontage
- 61 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,757
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Description
Legal Duplex with Strong Income Potential on a corner lot! This well-maintained, fully vacant upper unit offers an excellent opportunity for buyers looking to live comfortably while generating rental income from the already-tenanted lower unit. Each unit features 3 bedrooms, 1 bathroom, a full kitchen, separate entrance, and dedicated parking. The property also features a standalone double car garage, providing valuable additional space and convenience. The upper unit is move-in ready, allowing the new owner to make it their home while benefiting from rental income from the lower unit. Ideally located close to schools, shopping, parks, public transit, and major highway access, this property offers the perfect combination of homeownership, income potential, and long-term investment value. A fantastic opportunity for first-time buyers, investors, or anyone looking to offset their mortgage while owning a versatile income property. (id:63161)
Listing Information
- MLS®
- X14112732
- Data last synced
- October 24, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14112732
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: 6 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: 6.7% ($49,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$599,920.00
Periodic payment — Principal & Interest (monthly)$3,870.48
Additional monthly expenses (condo fees, tax, utilities, etc.)$396.42
Total monthly cost$4,266.90
Interest paid over 5-yr term$171,938.80
Balance at end of term$539,629.98
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$49,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,426.92
Cash Needed at Closing
Minimum down payment$49,990
Estimated Land Transfer Tax (LTT)$11,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,963
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.
