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Property Type: Detached HouseOwnership: Freehold
227 LYDIA Street
Kitchener, ON N2H1W4
MLS® 40844286
$769,900
3 bed2 bath1,732 sqftBuilt 1933
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Frontage
- 39 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $4,721
Interior
- Basement
- Unfinished, Full
- Heating
- Hot water radiator heat, Radiant heat, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Breakfast | Main level | 7'0'' x 7'9'' |
| Family room | Third level | 15'0'' x 18'0'' |
| 4pc Bathroom | Basement | — |
| Bedroom | Second level | 9'0'' x 11'0'' |
| Bedroom | Second level | 11'2'' x 13'4'' |
| Primary Bedroom | Second level | 12'2'' x 13'3'' |
| 4pc Bathroom | Second level | — |
| Dining room | Main level | 11'0'' x 13'5'' |
| Living room | Main level | 14'5'' x 16'0'' |
| Kitchen | Main level | 11'0'' x 12'0'' |
Description
Welcome to 227 Lydia Street, a spacious and character-filled home in Kitchener's highly sought-after Historic East Ward. Rich in original charm and timeless appeal, this inviting home offers 3 generous bedrooms, 2 bathrooms, and a finished loft/attic space—perfect as a home office, playroom, guest retreat, or additional living area. Nestled in one of Kitchener's most desirable family-friendly neighbourhoods, the Historic East Ward is known for its mature tree-lined streets, beautiful character homes, and strong sense of community. Enjoy the convenience of being just minutes from vibrant downtown Kitchener, with excellent shopping, restaurants, cafes, entertainment, and everyday amenities nearby. Public transit is easily accessible, making commuting simple, while nearby parks, walking trails, and excellent schools make this an ideal location for families and outdoor enthusiasts alike. Combining historic character with an unbeatable location, 227 Lydia Street is a wonderful opportunity to own a charming home in one of Kitchener's most established and desirable neighbourhoods. Don't miss your chance to make it yours! (id:63159)
Listing Information
- MLS®
- 40844286
- Data last synced
- September 22, 2026
RE/MAX Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Twin City Realty Inc.
MLS® Number: 40844286
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
$445/sqft
Building average
—
No other active listings in this building
212 - Downtown Kitchener/East Ward average
$391/sqft
31 active listing(s)
Parking: Not indicatedStorage 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: 6.8% ($51,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$615,920.00
Periodic payment — Principal & Interest (monthly)$3,973.71
Additional monthly expenses (condo fees, tax, utilities, etc.)$480.42
Total monthly cost$4,454.12
Interest paid over 5-yr term$176,524.44
Balance at end of term$554,022.03
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$51,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,566.49
Cash Needed at Closing
Minimum down payment$51,990
Estimated Land Transfer Tax (LTT)$11,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$65,363
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.
