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Property Type: Detached HouseOwnership: Freehold
19 MARY STREET
Kitchener, ON N2H3P9
MLS® X13588276
$649,000
3 bed1 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 31.7 x 124.1 FT
- Frontage
- 31.8 feet
SGA-1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,111 (2025)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
Welcome to this charming single-detached home offering exceptional value, versatility, and an unbeatable location. The spacious main floor features a bright living room, dining area, and a functional kitchen, creating a comfortable layout for everyday living and entertaining. Upstairs, you'll find three generously sized bedrooms and an updated bathroom, while the full unfinished basement provides endless possibilities for future living space, storage, or customization. Lovingly maintained, the home has benefited from numerous updates over the past decade, including major mechanical systems and windows, offering peace of mind for years to come. Ideally situated just steps from Grand River Hospital and minutes to both Downtown Kitchener and Uptown Waterloo, you'll enjoy easy access to the LRT, shopping, restaurants, parks, schools, and other everyday amenities. Whether you're a first-time home buyer, a growing family, or an investor, this property presents an outstanding opportunity. Recent zoning changes and the home's prime location near transit and amenities offer the potential for up to four residential units, making it an excellent investment for the future. (id:63159)
Listing Information
- MLS®
- X13588276
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
SOTHEBY'S INTERNATIONAL REALTY CANADA
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SOTHEBY'S INTERNATIONAL REALTY CANADA
MLS® Number: X13588276
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: 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: 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% ($39,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,200.00
Periodic payment — Principal & Interest (monthly)$3,349.70
Additional monthly expenses (condo fees, tax, utilities, etc.)$342.58
Total monthly cost$3,692.29
Interest paid over 5-yr term$148,804.21
Balance at end of term$467,022.08
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,722.80
Cash Needed at Closing
Minimum down payment$39,900
Estimated Land Transfer Tax (LTT)$9,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,855
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.
