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Property Type: Detached HouseOwnership: Freehold
31 ELMBANK TRAIL
Kitchener, ON N2R0B3
MLS® X13867980
$999,000
4 bed3.5 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 39.4 x 109.4 FT
- Frontage
- 39.4 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,903.45
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
Welcome to 31 Elmbank Trail, ideally situated in the highly desirable Doon neighbourhood of Kitchener. This beautifully appointed home features 4 spacious bedrooms and 2.5 bathrooms, offering a comfortable and inviting layout for modern family living. The main floor makes a great first impression with 9' ceilings, wide-plank engineered hardwood flooring, and a bright, open-concept design that creates a welcoming sense of space throughout. The stylish kitchen is designed for both everyday living and entertaining, featuring upgraded stainless steel appliances including double wall ovens, granite countertops, an upgraded faucet, pot and pan drawers, under-cabinet lighting, and plenty of counter space for meal preparation. The adjoining great room offers a comfortable gathering space centered around a gas fireplace, creating a warm and welcoming atmosphere. Thoughtful upgrades can be found throughout the home, including Decora switches, solid oak stairs, and an insulated garage door in the double-car garage. Upstairs, the spacious primary suite provides a relaxing retreat with a walk-in closet and a well-appointed 4-piece ensuite featuring a beautiful glass shower. Step outside to enjoy the private backyard with no rear neighbours. You'll appreciate the combination of modern city conveniences and the peaceful, private setting this property provides. A wonderful opportunity in one of Kitchener's most sought-after communities - come see everything 31 Elmbank Trail has to offer! (id:63159)
Listing Information
- MLS®
- X13867980
- Data last synced
- October 19, 2026
CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CHESTNUT PARK REALTY(SOUTHWESTERN ONTARIO) LTD
MLS® Number: X13867980
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: 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: 7.5% ($74,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$799,200.00
Periodic payment — Principal & Interest (monthly)$5,156.17
Additional monthly expenses (condo fees, tax, utilities, etc.)$575.29
Total monthly cost$5,731.45
Interest paid over 5-yr term$229,053.02
Balance at end of term$718,882.98
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$74,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,165.23
Cash Needed at Closing
Minimum down payment$74,900
Estimated Land Transfer Tax (LTT)$16,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$92,855
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.
