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Property Type: Detached HouseOwnership: Freehold
74 ST CLAIR Avenue
Kitchener, ON N2M3Z4
MLS® 40861771
$610,000
2 bed2 bath3 parking1,400 sqftBuilt 1947
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 50 feet
R2B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,053
Interior
- Basement
- Finished, Full
- Heating
- Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bonus Room | Basement | 7'1'' x 15'2'' |
| Bonus Room | Basement | 7'1'' x 15'2'' |
| 3pc Bathroom | Basement | — |
| Kitchen | Basement | 20'2'' x 22'7'' |
| Bedroom | Main level | 7'5'' x 10'2'' |
| Bedroom | Main level | 11'3'' x 11'0'' |
| 4pc Bathroom | Main level | — |
| Living room | Main level | 7'11'' x 8'2'' |
| Eat in kitchen | Main level | 8'' x 9'10'' |
Description
Two full kitchens, and a separate basement entrance give this St. Mary's bungalow room to do double duty — extended family under one roof, a self-contained space for aging parents, or a mortgage helper that pays down your bills every month. Main-floor living means no stairs to manage day to day, while the lower level stands entirely on its own with its own entrance, kitchen, and bath and all new appliances, and 200 amp service already installed Set in one of Kitchener's most livable pockets, you're close to parks, everyday shopping, and schools, with easy highway access putting the rest of the region within reach. Whether you're right-sizing into single-level living, blending households, or investing in a property built to earn its keep, this home works as hard as you do. (id:63161)
Listing Information
- MLS®
- 40861771
- Data last synced
- October 22, 2026
Condo Culture, Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Condo Culture, Brokerage
MLS® Number: 40861771
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
$436/sqft
Building average
—
No other active listings in this building
325 - Forest Hill average
$428/sqft
38 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: 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: 5.9% ($36,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$488,000.00
Periodic payment — Principal & Interest (monthly)$3,148.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$324.42
Total monthly cost$3,472.83
Interest paid over 5-yr term$139,862.20
Balance at end of term$438,957.58
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$36,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,450.65
Cash Needed at Closing
Minimum down payment$36,000
Estimated Land Transfer Tax (LTT)$8,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,175
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.
