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Property Type: Detached HouseOwnership: Freehold
31 SWARTZ STREET
Kitchener, ON N2E4A7
MLS® X14033172
$799,900
3 bed4.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 30.2 x 113.2 FT
- Frontage
- 30.2 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,518 (2025)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bathroom | Basement | — |
| Living room | Main level | — |
| Laundry room | Basement | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
Description
FULLY RENOVATED & MOVE-IN READY: Welcome to 31 Swartz Street, Kitchener, Beautifully renovated from top to bottom, this carpet-free, move-in-ready home is perfect for first-time home buyers, growing families and savvy investors. With 3 bedrooms, 4 bathrooms, and parking for 3 vehicles, this home truly checks all the boxes! Step inside to a bright and airy interior featuring fresh paint and new flooring throughout the main level (2022). The stunning kitchen, renovated in 2026, is sure to impress with crisp white cabinetry, a chic backsplash, quartz countertops, and stainless steel appliances. Whether preparing family meals or entertaining guests, this stylish space is designed to impress. The inviting living room offers the perfect setting to relax, while the adjacent dining area is ideal for everyday meals and special gatherings. Main Level has direct access to the garage and A convenient powder room with a new vanity and quartz countertop, completes the functional main floor. Upstairs, discover three well-appointed bedrooms and two full bathrooms. The spacious primary bedroom features a walk-in closet and private ensuite, creating the perfect personal retreat. Two additional bedrooms and a shared 4pc bathroom provide comfort and convenience. The fully finished basement adds even more versatility, featuring huge Rec Room, a 3pc bathroom and a laundry area. Enjoy added peace of mind with updated electrical features, new faucets, and windows replaced in 2026 with 25 years transferable warranty. Outside, the fully fenced backyard features a deck and shed (2022), offering the perfect space for summer BBQs, family gatherings, outdoor entertaining or simply unwinding after a long day. With plenty of room to enjoy, this backyard is ready to become your favorite spot! Conveniently located near Sunrise Shopping Centre, shopping, parks, trails, schools, and major highway access, this home checks all boxes. Don't miss this opportunity, Book your private showing today! (id:63161)
Listing Information
- MLS®
- X14033172
- Tax assessment year
- 2025
- Data last synced
- October 26, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14033172
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: 3 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: 6.9% ($54,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,920.00
Periodic payment — Principal & Interest (monthly)$4,128.55
Additional monthly expenses (condo fees, tax, utilities, etc.)$376.50
Total monthly cost$4,505.05
Interest paid over 5-yr term$183,402.91
Balance at end of term$575,610.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.84
Cash Needed at Closing
Minimum down payment$54,990
Estimated Land Transfer Tax (LTT)$12,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,963
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.
