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Property Type: Detached HouseOwnership: Freehold
93 LANCASTER Street W
Kitchener, ON N2H4T3
MLS® 40863097
$475,000
4 bed2 bath2 parking2,200 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 39 feet
SG-3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,133
Interior
- Basement
- Finished, Full
- Heating
- Forced air
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Main level | — |
| 3pc Bathroom | Main level | — |
| Attic | Third level | 20'0'' x 25'0'' |
| Family room | Second level | 12'0'' x 8'0'' |
| Bedroom | Second level | 9'0'' x 16'0'' |
| Bedroom | Second level | 8'0'' x 12'0'' |
| Bedroom | Main level | 8'0'' x 9'0'' |
| Bedroom | Main level | 9'0'' x 8'0'' |
| Kitchen | Main level | 6'0'' x 9'0'' |
| Family room | Main level | 8'0'' x 20'8'' |
Description
Desirable East Ward property in a prime location. Perfect for first time buyer to live in one and rent another unit. It is a Legal duplex with extra in-law set up too. As well entry level for investors or adding to existing portfolio. Upper level 2 bedroom with spacious living area plus finished and usable attic. Main level recently renovated 2 bedroom unit. Another finished unit in lower level which is self contained. 2 hydro meters. Corner location close to expressway and shopping, transit. Currently upper unit in rent. Developer, builder opportunity to buy next door (87 Lancaster) so it makes a great development project (id:63159)
Listing Information
- MLS®
- 40863097
- Data last synced
- October 8, 2026
RE/MAX Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Twin City Realty Inc.
MLS® Number: 40863097
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
$216/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$407/sqft
36 active listing(s)
Parking: 2 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% ($23,750) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$380,000.00
Periodic payment — Principal & Interest (monthly)$2,451.63
Additional monthly expenses (condo fees, tax, utilities, etc.)$371.08
Total monthly cost$2,822.71
Interest paid over 5-yr term$108,909.09
Balance at end of term$341,811.23
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,750
Stress test qualifying rate8.19%
Payment you must qualify for$3,498.88
Cash Needed at Closing
Minimum down payment$23,750
Estimated Land Transfer Tax (LTT)$5,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,225
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.
