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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
32 SAMUEL STREET
Kitchener, ON N2H1P1
MLS® X14121732
86
Walk Score
60
Transit
80
Bike
$449,000
3 bed3 bath3 parking
86
Walk Score
60
Transit
80
Bike
Open House
Saturday, October 31
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 34 x 80 FT
- Frontage
- 34 feet
R2B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,358.6 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Utility room | Basement | — |
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Mud room | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Kitchen | Second level | — |
| Bathroom | Basement | — |
| Primary Bedroom | Basement | — |
Description
OPEN HOUSE: SAT. OCT 31 2:00-4:00 LEGAL TWO-UNIT HOME WITH 3 BATHROOMS AND 2-CAR GARAGE IN A PRIME CENTRAL KITCHENER LOCATION! A beautifully maintained low maintenance home. The main-floor unit is beautifully laid out and filled with character. A formal mudroom provides a welcoming and practical entrance from the garage, while the convenience of main-floor laundry adds to the functionality of the space. The flexible floor plan could be enjoyed as a one or two bedroom layout and two baths, one with Jetted tub, depending on your needs. A lovely covered porch provides the perfect place to sit, relax and enjoy this established neighbourhood, additional finished lower level living space, providing a family room, recreation area, home office or additional living space. The upper unit could be enjoyed as a one or two bedroom, 4 pc bath configuration and is complemented by a gorgeous private deck overlooking a mature, treed setting. A wonderful outdoor retreat that feels surprisingly peaceful for such a convenient central location. A rare 2-car garage with convenient inside entry, a significant advantage for a legal two-unit property in this central location. Upgrades include windows, doors, garage doors, soffit, fascia, furnace, central air conditioning, refinished hardwood floors throughout the main and second levels. Lift-up blinds and window coverings and all appliances are included. Minutes from Downtown Kitchener, you're close to the ION LRT, Kitchener GO Station, parks, restaurants, cafés, shopping, schools and everyday amenities. Excellent transit connections and walkability make commuting throughout Waterloo Region and beyond remarkably convenient. Whether you're looking to live in one unit and rent the other, accommodate extended family, or own a Duplex, 32 Samuel Street delivers a combination that can be difficult to find: flexible living space, legal two-unit use, a 2-car garage, your front yard could be your back yard. (id:63161)
Listing Information
- MLS®
- X14121732
- Tax assessment year
- 2026
- Data last synced
- October 29, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14121732
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.
580 m away
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($22,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,200.00
Periodic payment — Principal & Interest (monthly)$2,317.44
Additional monthly expenses (condo fees, tax, utilities, etc.)$363.22
Total monthly cost$2,680.65
Interest paid over 5-yr term$102,947.75
Balance at end of term$323,101.56
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,450
Stress test qualifying rate8.19%
Payment you must qualify for$3,307.36
Cash Needed at Closing
Minimum down payment$22,450
Estimated Land Transfer Tax (LTT)$5,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,405
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.
