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Property Type: Detached HouseOwnership: Freehold
381 VICTORIA STREET N
Kitchener, ON N2H5E4
MLS® X13868102
$449,900
3 bed2 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 42 x 100 FT
- Frontage
- 42 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,725.89 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Bedroom | Main level | — |
| Great room | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Kitchen | Second level | — |
Description
CHARACTER & VERSATILITY! Welcome to this 3-bedroom, 2-full-bath home ideally situated in a central location close to shopping, the downtown core, parks, public transit, and offering easy access to the expressway. Brimming with potential, this home combines timeless charm with important modern updates, including an updated furnace, plumbing, and electrical. The spacious layout offers plenty of flexibility for families, first-time buyers, or investors, with excellent duplex potential for those looking to add value or create a two-unit income property. A detached single-car garage provides convenient parking and additional storage. With its desirable location, versatile floor plan, and significant updates already completed, this property presents an exciting opportunity to own a character home with both lifestyle appeal and investment potential. Close to everything you need while offering the convenience of easy commuting-this is one you won't want to miss! (id:63159)
Listing Information
- MLS®
- X13868102
- Tax assessment year
- 2026
- Data last synced
- October 11, 2026
PSR
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: PSR
MLS® Number: X13868102
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: 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: 5.0% ($22,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,920.00
Periodic payment — Principal & Interest (monthly)$2,322.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$310.49
Total monthly cost$2,632.57
Interest paid over 5-yr term$103,154.11
Balance at end of term$323,749.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,313.99
Cash Needed at Closing
Minimum down payment$22,495
Estimated Land Transfer Tax (LTT)$5,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,468
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.
