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Property Type: Detached HouseOwnership: Freehold
34 ST CLAIR Avenue
Kitchener, ON N2M3Z4
MLS® 40856568
$515,000
2 bed1 bath2 parking951 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 50 feet
R-4,353R
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,994.33
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 21'4'' x 22'6'' |
| Den | Basement | 6'9'' x 10'7'' |
| Recreation room | Basement | 21'4'' x 11'1'' |
| Bedroom | Main level | 7'6'' x 7'8'' |
| Primary Bedroom | Main level | 11'2'' x 11'2'' |
| 3pc Bathroom | Main level | 7'8'' x 7'7'' |
| Kitchen | Main level | 10'4'' x 11'1'' |
| Living room | Main level | 15'8'' x 14'7'' |
Description
Welcome to this beautifully updated 2-bedroom bungalow close to St. Mary’s Hospital. The main floor has a bright, open layout with beautiful engineered hardwood floors. The updated kitchen features quartz countertops, a granite sink, touch-activated faucet, and black stainless-steel appliances, including a gas stove and large refrigerator. The renovated bathroom offers a walk-in shower, double-sink vanity, and heated floors. The finished basement adds extra living space with newer carpet, a recreation room with built-in entertainment unit, and a home office. Outside, enjoy the covered deck, perfect for BBQs and relaxing, along with a large backyard for entertaining. Recent updates include the kitchen and bathroom, hardwood flooring, furnace and A/C (2021), roof (2018), gas dryer (2017), and basement carpet (2021). The hot water heater is a rental (2019). Easy access to expressway and Downtown Kitchener. This move-in-ready home is located in a charming and desirable neighbourhood. Come see it for yourself! (id:63159)
Listing Information
- MLS®
- 40856568
- Data last synced
- October 17, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40856568
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$542/sqft
Building average
—
No other active listings in this building
325 - Forest Hill average
$424/sqft
38 active listing(s)
Parking: 2 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: 5.1% ($26,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$412,000.00
Periodic payment — Principal & Interest (monthly)$2,658.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$297.53
Total monthly cost$2,955.61
Interest paid over 5-yr term$118,080.38
Balance at end of term$370,595.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$26,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,787.70
Cash Needed at Closing
Minimum down payment$26,500
Estimated Land Transfer Tax (LTT)$6,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$34,775
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.
