Property Type: Detached HouseOwnership: FreeholdNEW LISTING

123 SAMUEL Street

Kitchener, BC N2H1P9

$729,900

3 bed3 bath2 parking1,080 sqftBuilt 1920
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
1.5
Frontage
36 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,088

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Gas stove(s), Dishwasher, Dryer, Hood Fan, Window Coverings

Exterior & Lot

Exterior features
Brick, Aluminum siding
Lot features
In-Law Suite

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
FoyerMain level6'2'' x 9'7''
Laundry roomBasement8'10'' x 11'9''
3pc BathroomBasement8'3'' x 4'5''
Recreation roomBasement8'6'' x 19'5''
BedroomBasement8'4'' x 13'7''
BedroomSecond level12'3'' x 10'10''
3pc BathroomSecond level7'9'' x 5'9''
Primary BedroomSecond level12'2'' x 15'1''
4pc BathroomMain level9'5'' x 5'0''
Eat in kitchenMain level9'2'' x 14'9''
Living roomMain level9'5'' x 14'5''
Dining roomMain level9'5'' x 12'3''

Listing Information

MLS®
40863326
Listed
September 14, 2026
Time on market
Listed today
Data last synced
September 15, 2026

Listing provided by: Home and Property Real Estate Ltd. · Data source: CREA DDF.

Description

Welcome to 123 Samuel Street-a home that instantly feels like it's been waiting for you. There's a warmth here that you notice the moment you step onto the generous front porch, the kind of space where morning coffees become rituals and neighbours still wave hello. Inside, the home opens up in a way that surprises you-bigger, brighter, and more welcoming than you expect. The brand-new kitchen is the heart of it all, thoughtfully designed for real life. With its quartz counters, stainless steel appliances, and abundant storage, it's a space that makes everyday moments feel special. The main floor flows with fresh, modern flooring and natural light, carpet-free and easy to love. Three beautifully updated bathrooms add comfort and peace of mind, while new lighting, paint & sliding doors give the home a refreshed feel. Step outside and you'll find spaces meant for connection and quiet moments alike-a deck o? the living room for summer evenings, a fully fenced yard for kids or pets to play, and a brand-new 10' x 12' shed ready for hobbies, storage, or creative projects. This neighbourhood is part of the magic. The East Ward is one of Kitchener's most beloved communities-tree-lined, walkable, and full of character. You're steps from the best of the city: the AUD, Centre In The Square, the KPL Main library, the Kitchener Market, incredible restaurants, and the GO/VIA Rail station. Schools, parks, and everyday conveniences are all close by. The lower level o?ers even more possibility. With its separate entrance, shared laundry, and dedicated hydro meter, it can easily become a spacious in-law suite again-perfect for extended family, guests, or a mortgage helper. Major updates like the roof (2016), furnace, A/C, windows, electrical (2014) and water softener (2023) mean you can simply settle in and start making memories. This is a place to grow, to gather & to feel at home. Opportunities like this don't come often. (id:63159)

Values & Trends

This listing

$676/sqft

Building average

No other active listings in this building

212 - Downtown Kitchener/East Ward average

$411/sqft

33 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: Guelph

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($47,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$583,920.00
Periodic payment — Principal & Interest (monthly)$3,767.25
Additional monthly expenses (strata, tax, utilities, etc.)$478.00
Total monthly cost$4,245.25
Interest paid over 5-yr term$167,353.15
Balance at end of term$525,237.93

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,243.65

Cash Needed at Closing

Minimum down payment$47,990
Estimated BC PTT$12,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,088

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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