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Property Type: Detached HouseOwnership: Freehold
406 STIRLING AVENUE S
Kitchener, ON N2M3H9
MLS® X13788474
72
Walk Score
55
Transit
74
Bike
$759,998
4 bed4 bath12 parking
72
Walk Score
55
Transit
74
Bike
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 40.1 x 170.3 FT
- Frontage
- 40.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,738 (2025)
Interior
- Basement
- Finished, Separate entrance, N/A, N/A
- Heating
- Heat Pump, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Basement | — |
Description
Welcome to 406 Stirling Ave South. This one and a half storey (approx. 1754 sqft) home boasts 4 total bedrooms (3+1 configuration) + 4 full bathrooms, each bedroom contains its own ensuite bathroom for absolute privacy. This home has no carpets throughout, engineering hardwood flooring on main floor with an open concept living area for modern living. The beautifully maintained kitchen includes quartz counters, white cabinets and kitchen island. Large master bedroom extension on the main floor for added convenience with walk in closet and 4 piece ensuite. This home features a wooden deck in the spacious backyard for entertaining, second floor balcony for those relaxing early morning coffees, outdoor security cameras, tankless water heater, new installed heat pump (2024), water softener and second floor laundry for added convenience. This home also provides a finished basement with separate side entrance, can be used as a rec room or as a 4th bedroom. Double car detached garage with its own electrical panel with a deep private driveway that parks 10 cars total, great for hosting. Conveniently located near schools, parks, transit routes and shopping stores and just minutes from Hwy 8. Book your showing today and don't miss out on your next dream home. (id:63159)
Listing Information
- MLS®
- X13788474
- Tax assessment year
- 2025
- Data last synced
- October 10, 2026
SUTTON GROUP-ADMIRAL REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SUTTON GROUP-ADMIRAL REALTY INC.
MLS® Number: X13788474
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: 12 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: 6.7% ($51,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$607,998.00
Periodic payment — Principal & Interest (monthly)$3,922.60
Additional monthly expenses (condo fees, tax, utilities, etc.)$394.83
Total monthly cost$4,317.43
Interest paid over 5-yr term$174,253.97
Balance at end of term$546,896.17
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$51,000
Stress test qualifying rate8.19%
Payment you must qualify for$5,497.39
Cash Needed at Closing
Minimum down payment$51,000
Estimated Land Transfer Tax (LTT)$11,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$64,175
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.
