Property Type: Detached HouseOwnership: Freehold

227 LYDIA Street

Kitchener, BC N2H1W4

$769,900

3 bed2 bath1,732 sqftBuilt 1933
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Property Details

Property & Lot

Sub-type
House
Stories
2
Frontage
39 feet

R2A

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$4,721

Interior

Basement
Unfinished, Full
Heating
Hot water radiator heat, Radiant heat, Natural gas
Cooling / A/C
None
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Brick
Lot features
Paved driveway

Building

Water source
Municipal water
Sewer
Municipal sewage system
Utilities
Cable

Parking

Features
Open

Room Dimensions

RoomLevelDimensions
BreakfastMain level7'0'' x 7'9''
Family roomThird level15'0'' x 18'0''
4pc BathroomBasement
BedroomSecond level9'0'' x 11'0''
BedroomSecond level11'2'' x 13'4''
Primary BedroomSecond level12'2'' x 13'3''
4pc BathroomSecond level
Dining roomMain level11'0'' x 13'5''
Living roomMain level14'5'' x 16'0''
KitchenMain level11'0'' x 12'0''

Listing Information

MLS®
40844286
Listed
July 7, 2026
Time on market
On the market for 69 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX Twin City Realty Inc. · Data source: CREA DDF.

Description

Welcome to 227 Lydia Street, a spacious and character-filled home in Kitchener's highly sought-after Historic East Ward. Rich in original charm and timeless appeal, this inviting home offers 3 generous bedrooms, 2 bathrooms, and a finished loft/attic space—perfect as a home office, playroom, guest retreat, or additional living area. Nestled in one of Kitchener's most desirable family-friendly neighbourhoods, the Historic East Ward is known for its mature tree-lined streets, beautiful character homes, and strong sense of community. Enjoy the convenience of being just minutes from vibrant downtown Kitchener, with excellent shopping, restaurants, cafes, entertainment, and everyday amenities nearby. Public transit is easily accessible, making commuting simple, while nearby parks, walking trails, and excellent schools make this an ideal location for families and outdoor enthusiasts alike. Combining historic character with an unbeatable location, 227 Lydia Street is a wonderful opportunity to own a charming home in one of Kitchener's most established and desirable neighbourhoods. Don't miss your chance to make it yours! (id:63159)

Values & Trends

This listing

$445/sqft

Building average

No other active listings in this building

212 - Downtown Kitchener/East Ward average

$421/sqft

33 active listing(s)

Parking: Not indicatedStorage 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: 6.8% ($51,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$615,920.00
Periodic payment — Principal & Interest (monthly)$3,973.71
Additional monthly expenses (strata, tax, utilities, etc.)$480.42
Total monthly cost$4,454.12
Interest paid over 5-yr term$176,524.44
Balance at end of term$554,022.03

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$51,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,520.48

Cash Needed at Closing

Minimum down payment$51,990
Estimated BC PTT$13,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$66,888

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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