Property Type: Detached HouseOwnership: FreeholdNEW LISTING

32 MARY Street

Kitchener, BC N2H3R1

$900,000

3 bed3.5 bath2 parking1,868 sqftBuilt 1917
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2.5
Frontage
36 feet

SGA-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,667.91

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Appliances
Refrigerator, Water softener, Dishwasher, Stove, Microwave Built-in

Exterior & Lot

Exterior features
Brick
Lot features
Sump Pump, Private Yard

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
Utility roomBasement11'11'' x 11'9''
Recreation roomBasement19'9'' x 10'6''
DenBasement11'11'' x 11'9''
3pc BathroomBasement
AtticThird level24'2'' x 14'0''
Primary BedroomSecond level8'9'' x 10'10''
BedroomSecond level11'11'' x 8'4''
BedroomSecond level8'9'' x 10'10''
3pc BathroomSecond level
2pc BathroomMain level
Family roomMain level9'2'' x 19'1''
Living roomMain level11'11'' x 12'4''
KitchenMain level11'11'' x 10'9''
Dining roomMain level12'3'' x 11'7''

Listing Information

MLS®
40861649
Listed
September 10, 2026
Time on market
On the market for 4 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX SOLID GOLD REALTY (II) LTD. · Data source: CREA DDF.

Description

Welcome to Mary Street - where you can walk to Vincenzo’s for something delicious, hop on the LRT, hit the trails, or simply enjoy the mature trees and friendly neighbourhood atmosphere from your covered front porch. Full of smart spaces and thoughtful updates you can feel the care and warmth in this beautiful home. The custom Paragon kitchen features high-end stainless appliances, loads of storage, butcher-block counters, comfortable cork flooring, and a stylish ceramic backsplash. The green pantry with glass doors makes storage look fabulous. The dining area is open to the living room keeping everyone connected. This space feels so bright with large windows and beautiful hardwood floors. Just beyond the kitchen you will find the renovated 2 piece bathroom featuring a custom hand painted mirror with a matching wall mounted vase. The family room will be your favourite escape not only because of the dramatic windows and access to the back deck but also because of the radiant heated floors. Upstairs are three bedrooms all with hardwood floors and a fully renovated bathroom with a glass walk-in shower heated floors, and a custom vanity with quartz countertops. One more flight leads to a third-floor loft with new windows - this could be a future office or 4th bedroom as your needs grow. The basement has a separate entrance offering income potential. A renovated rec room with a modern gas fireplace, a den that can double as an office or a workout space and a 3 piece bathroom. Properties like this one do a lot of things quietly, but well. The steel roof has a protective layer allowing for a softer look. The updated plumbing and electrical give you peace of mind and most of the windows and doors have been replaced. Here you’ve got a home with character, convenience in a neighbourhood worth falling for. The low maintenance perennial pollinator gardens bring the yard to life! This home is truly move in ready! (id:63159)

Values & Trends

This listing

$482/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$440/sqft

31 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: 7.2% ($65,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$720,000.00
Periodic payment — Principal & Interest (monthly)$4,645.20
Additional monthly expenses (strata, tax, utilities, etc.)$481.99
Total monthly cost$5,127.19
Interest paid over 5-yr term$206,354.07
Balance at end of term$647,642.33

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$65,000
Stress test qualifying rate8.09%
Payment you must qualify for$6,420.86

Cash Needed at Closing

Minimum down payment$65,000
Estimated BC PTT$16,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,500

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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