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Property Type: Detached HouseOwnership: Freehold
365 VICTORIA Street N
Kitchener, ON N2H5E4
MLS® 40846856
$289,000
3 bed1 bath984 sqftBuilt 1899
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.11 acres
- Frontage
- 50 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,795
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | — |
| Other | Basement | — |
| 3pc Bathroom | Second level | 5'3'' x 6'2'' |
| Bedroom | Second level | 7'10'' x 9'2'' |
| Bedroom | Second level | 8'9'' x 10'6'' |
| Primary Bedroom | Second level | 11'1'' x 13'0'' |
| Kitchen | Main level | 11'1'' x 9'5'' |
| Library | Main level | 11'1'' x 13'0'' |
| Living room | Main level | 12'11'' x 13'0'' |
| Dining room | Main level | 11'11'' x 12'6'' |
Description
Three bedroom, two story house on a large lot. No parking on site. Central location close to schools, cultural center, transit, shopping, expressway. Zoned R5 which includes but is not limited to Home Day Care, Residential Care Facility and Hospice, as well as a variety of Dwelling Units. (id:63161)
Listing Information
- MLS®
- 40846856
- Data last synced
- October 23, 2026
RED AND WHITE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RED AND WHITE REALTY INC.
MLS® Number: 40846856
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
$294/sqft
Building average
—
No other active listings in this building
212 - Downtown Kitchener/East Ward average
$397/sqft
31 active listing(s)
Parking: Not indicatedStorage 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: 5.0% ($14,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$231,200.00
Periodic payment — Principal & Interest (monthly)$1,491.62
Additional monthly expenses (condo fees, tax, utilities, etc.)$281.92
Total monthly cost$1,773.54
Interest paid over 5-yr term$66,262.58
Balance at end of term$207,965.15
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,450
Stress test qualifying rate8.19%
Payment you must qualify for$2,128.79
Cash Needed at Closing
Minimum down payment$14,450
Estimated Land Transfer Tax (LTT)$2,810
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,760
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.