Property Type: Detached HouseOwnership: Freehold

145 CHURCH Street

Kitchener, BC N2G2S5

$699,900

4 bed2.5 bath4 parking2,071 sqftBuilt 1890
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
49 feet

SGA-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,192

Interior

Basement
Partially finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Electric, Other - See remarks
Appliances
Washer, Refrigerator, Gas stove(s), Dishwasher, Dryer

Exterior & Lot

Exterior features
Brick Veneer
Lot features
Paved driveway
Fencing
Partially fenced

Building

Foundation
Stone
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
StorageBasement
Laundry roomBasement
Utility roomBasement
4pc BathroomSecond level
BedroomSecond level10'1'' x 12'11''
BedroomSecond level10'9'' x 12'11''
Primary BedroomSecond level12'3'' x 20'4''
Family roomMain level15'0'' x 18'10''
2pc BathroomMain level
Living roomMain level12'2'' x 23'9''
KitchenMain level10'4'' x 12'3''
FoyerMain level6'4'' x 7'4''
BedroomBasement12'7'' x 15'10''

Listing Information

MLS®
40858601
Listed
August 27, 2026
Time on market
On the market for 18 days
Data last synced
September 15, 2026

Listing provided by: CENTURY 21 HERITAGE HOUSE LTD. · Data source: CREA DDF.

Description

Discover a timeless elegance at 145 Church Street. A gardener’s delight! This single-family residence, offers a blend of historic charm and contemporary comfort. This recently updated property presents a unique opportunity to own a piece of history, thoughtfully reimagined for modern living. The heart of this home is its recently updated kitchen with gorgeous quartz countertops, featuring a practical peninsula that invites both culinary creativity and casual gatherings. Unwind in the living room, where a classic fireplace provides a comforting focal point, perfect for relaxing evenings. One of the well-appointed bathrooms offers a walk-in shower, blending functionality with a touch of luxury. Step outside to a private yard, an ideal setting for outdoor dining or quiet contemplation, complemented by a dedicated outdoor dining area, a charming patio, and a welcoming porch. The property has lots of distinctive character. Walking distance to Your Kitchener Market, LRT, Iron Horse Trail, schools, shopping and many restaurants. Embrace the opportunity to create your next chapter in this exceptional home. (id:63159)

Values & Trends

This listing

$338/sqft

Building average

No other active listings in this building

311 - Downtown/Rockway/S. Ward average

$403/sqft

15 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: 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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (strata, tax, utilities, etc.)$453.33
Total monthly cost$4,065.75
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$44,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,036.03

Cash Needed at Closing

Minimum down payment$44,990
Estimated BC PTT$11,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,488

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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