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Property Type: Detached HouseOwnership: Freehold
3 GEORGINA STREET
Kitchener, ON N2R0S6
MLS® X14094170
5
Walk Score
26
Transit
22
Bike
$979,000
4 bed4.5 bath4 parking
5
Walk Score
26
Transit
22
Bike
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 41.8 x 109.5 FT
- Frontage
- 41.9 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,973
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Great room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Study | Main level | — |
| Partial bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Laundry room | Second level | — |
Description
Welcome to 3 Georgina Street, Kitchener - a beautifully maintained 3-year-new home offering approximately 2,593 sq. ft. of above-grade living space, designed for modern family living with an impressive combination of space, functionality and natural light.The main floor immediately feels bright and open, with large windows, rich hardwood flooring and a highly functional open-concept layout. A separate front room provides the perfect space for a home office or study, while the spacious family room features a cozy fireplace and flows seamlessly into the dining area and kitchen. The kitchen is the heart of the home, showcasing quartz countertops, an oversized centre island with seating, abundant cabinetry, stainless-steel appliances, built-in wall ovens and a gas cooktop - ideal for both everyday family life and entertaining. A convenient powder room completes the main level.Upstairs, the generous primary bedroom offers a true retreat with a walk-in closet and large private ensuite featuring a freestanding soaker tub, separate glass shower and expansive vanity. The additional bedrooms are bright and well proportioned, while upper-level laundry adds everyday convenience. Large windows throughout the second floor keep the entire home filled with natural light.Outside, enjoy a fully fenced backyard with a patio area and plenty of open lawn space for children, entertaining or summer gatherings. The substantial covered front porch adds even more usable outdoor living space and gives the home excellent curb appeal.At only three years old, 3 Georgina Street delivers the space of a large detached home with a modern floor plan, contemporary finishes and approximately 2,593 sq. ft. above grade - without the wait of buying new construction. A fantastic opportunity for buyers looking for a spacious, move-in-ready family home in Kitchener. (id:63159)
Listing Information
- MLS®
- X14094170
- Data last synced
- October 20, 2026
Gold Estate Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Gold Estate Realty Inc.
MLS® Number: X14094170
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: 4 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: 7.4% ($72,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$783,200.00
Periodic payment — Principal & Interest (monthly)$5,052.94
Additional monthly expenses (condo fees, tax, utilities, etc.)$581.08
Total monthly cost$5,634.02
Interest paid over 5-yr term$224,467.37
Balance at end of term$704,490.93
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$72,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,025.66
Cash Needed at Closing
Minimum down payment$72,900
Estimated Land Transfer Tax (LTT)$16,055
Legal / closing costs (typical estimate)$1,500
Total cash needed$90,455
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.
