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Property Type: Detached HouseOwnership: Freehold
257 OTTAWA STREET N
Kitchener, ON N2H3K9
MLS® X13696922
$699,900
4 bed3 full, 2 half bath7 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 66 x 180 FT
- Frontage
- 66 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,035.21
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Recreational, Games room | Basement | — |
| Laundry room | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Bedroom 4 | Main level | — |
| Partial bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to 257 Ottawa Street N, Kitchener - a beautifully updated detached home offering comfortable living spaces, thoughtful improvements, and a backyard that gives you even more space to relax, entertain, and enjoy being outdoors. The welcoming front porch and picturesque front yard lead into a bright main level featuring luxury laminate flooring, updated light fixtures, fresh paint, and abundant natural light. The updated kitchen offers quartz countertops, stylish backsplash, under-cabinet lighting, updated flooring, dual pantries, and high-end stainless steel appliances installed in 2023. The adjoining dining area is ideal for family meals and entertaining, with a convenient 2-piece powder room nearby. The living room flows seamlessly into the dining area and the comfortable family room. A main-floor bedroom offers flexibility for guests, a home office, or convenient one-level living. Upstairs features three additional bedrooms with built-in closet storage and a updated 4-piece bathroom with glass-enclosed tub. The lower level offers flexible additional space and a 1-piece bathroom with standing shower, ready for the next homeowner to personalize. Outside, the generous backyard features a deck, firepit, partially fenced yard, and repaired front and rear rock walls - plenty of space to relax or entertain. The current owners have also completed several practical updates, including: New electronic locks on front & back doors; Front, rear & garage decks stripped and painted; Professional arborist assessment and tree maintenance; Professional plumbing and drain clean-out to the city connection; Furnace venting replaced to bring it up to code; New carpet runner on stairs; New blinds in living room, office & primary bedroom; Front & rear rock walls repaired. A 1-car garage and generous driveway provide ample parking. Conveniently located near public transit, major expressways, shopping, restaurants, schools, and everyday amenities. (id:63159)
Listing Information
- MLS®
- X13696922
- Data last synced
- September 15, 2026
UPPERSIDE REAL ESTATE LIMITED
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: UPPERSIDE REAL ESTATE LIMITED
MLS® Number: X13696922
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: 7 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: 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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$336.27
Total monthly cost$3,948.68
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
