Loading…
Property Type: Detached HouseOwnership: Freehold
430-432 DUKE Street W
Kitchener, ON N2H3Y8
MLS® 40868724
$899,900
6 bed3 full, 2 half bath4 parking3,000 sqftBuilt 1884
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.17 acres
- Frontage
- 50 feet
R24355
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,599
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 2pc Bathroom | Second level | — |
| Bedroom | Second level | 12'0'' x 12'0'' |
| Bedroom | Second level | 9'0'' x 12'0'' |
| Bedroom | Second level | 9'0'' x 12'0'' |
| Foyer | Second level | 6'4'' x 9'0'' |
| 2pc Bathroom | Main level | — |
| Kitchen | Main level | 12'0'' x 12'0'' |
| Dining room | Main level | 18'5'' x 7'6'' |
| Living room | Main level | 15'0'' x 13'0'' |
| Foyer | Main level | 3'6'' x 13'0'' |
| Bedroom | Second level | 12'0'' x 12'0'' |
| Bedroom | Second level | 12'0'' x 10'0'' |
| Bedroom | Second level | 17'9'' x 12'0'' |
| Foyer |
Description
ONLY 899,900 for 2 houses !!! UNIQUE real estate listing for an entire semi-detached duplex—meaning both side-by-side mirror units are being sold together., Attention Investors, Builders, and Multigenerational Buyers! An incredible, rare opportunity to own an entire semi-detached duplex (both sides!) separate meters, under one ownership in the highly sought-after central core of Kitchener. Priced to sell at $899,900, this property features two side-by-side mirror units, each offering 1,500 sq. ft. of living space for a total of 3,000 sq. ft. Each spacious unit boasts a functional layout including a large living room, formal dining room, kitchen, 3 generous bedrooms, and the bathroom. Character meets potential with soaring 9-foot ceilings on both levels, creating an airy, premium feel. Situated on a massive 50’ x 145’ deep lot with flexible RES-5 zoning, the property sits directly in the path of progress, surrounded by million-dollar-plus multi-unit development projects. Whether you choose to renovate and command premium market rents for two distinct properties, (APPROX projected INCOME of $72,000 / year ) build secondary dwelling units (coach houses/garden suites), or completely redevelop into a high-density multi-unit project, the upside here is undeniable. • Generous Lot Coverage: Up to 55% maximum lot coverage (with a 15% allowance specifically for accessory/detached structures like coach houses), making the 50' x 145' deep lot highly buildable. Don’t miss out on one of the best value-plays in Waterloo Region! (id:63161)
Listing Information
- MLS®
- 40868724
- Data last synced
- October 27, 2026
Royal Lepage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal Lepage Wolle Realty
MLS® Number: 40868724
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
$300/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$404/sqft
36 active listing(s)
Parking: 4 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: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (condo fees, tax, utilities, etc.)$533.25
Total monthly cost$5,177.93
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,473.68
Cash Needed at Closing
Minimum down payment$64,990
Estimated Land Transfer Tax (LTT)$14,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,963
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.
