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Property Type: Detached HouseOwnership: Freehold
656 WESTMOUNT Road W
Kitchener, ON N2M1R8
MLS® 40865739
$1,215,000
3 bed3.5 bath6 parking2,876 sqftBuilt 1951
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.39 acres
- Frontage
- 87 feet
Res-2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $9,434.25
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Recreation room | Basement | 12'5'' x 30'9'' |
| Bedroom | Second level | 17'5'' x 20'11'' |
| Bedroom | Second level | 13'0'' x 14'6'' |
| 4pc Bathroom | Second level | — |
| Living room | Main level | 13'3'' x 19'7'' |
| Laundry room | Main level | 9'5'' x 10'11'' |
| Kitchen | Main level | 13'3'' x 19'11'' |
| Foyer | Main level | 7'2'' x 13'10'' |
| Dining room | Main level | 11'7'' x 9'11'' |
| Primary Bedroom | Main level | 13'3'' x 11'8'' |
| 4pc Bathroom | Main level | — |
| 2pc Bathroom | Main level | — |
Description
Set in Westmount, one of the Kitchener-Waterloo’s most coveted neighbourhoods, this beautifully updated home pairs thoughtful design with everyday ease and an homage to its mid-century roots. Oversized windows flood the main floor with natural light, highlighting the engineered hardwood and the seamless flow between the living, dining, and chef-style kitchen. The oversized island is the heart of the home, equally suited to casual weekday meals and elegant entertaining, while a gas fireplace anchors the living room with warmth and character. The main floor primary bedroom offers the rare luxury of one-level living, ideal for downsizers, while two generous bedrooms upstairs welcome family and guests. All bathrooms have been fully renovated, and a main floor laundry room completes the layout. Outside, the exceptional 193-foot-deep lot delivers a backyard made for children, pets, and gatherings alike. A double tandem garage adds space for vehicles, gear, and storage. A new roof (2026), updated HVAC (2019), electrical and plumbing updates (2019) and many newer windows means peace of mind for years to come, Steps from Westmount Golf Course and within walking distance of Uptown Waterloo and Belmont Village, this is a home that offers sophistication, comfort, and convenience in equal measure. (id:63161)
Listing Information
- MLS®
- 40865739
- Data last synced
- October 26, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40865739
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
$422/sqft
Building average
—
No other active listings in this building
415 - Uptown Waterloo/Westmount average
$538/sqft
22 active listing(s)
Parking: 6 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: 7.9% ($96,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$972,000.00
Periodic payment — Principal & Interest (monthly)$6,271.01
Additional monthly expenses (condo fees, tax, utilities, etc.)$930.19
Total monthly cost$7,201.20
Interest paid over 5-yr term$278,577.99
Balance at end of term$874,317.14
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$96,500
Stress test qualifying rate8.19%
Payment you must qualify for$8,672.56
Cash Needed at Closing
Minimum down payment$96,500
Estimated Land Transfer Tax (LTT)$20,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$118,775
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.
