Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

46 ELLEN Street W

Kitchener, BC N2H4K3

$699,900

4 bed3.5 bath5 parking1,762 sqftBuilt 1910
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2.5
Frontage
72 feet

RES-4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,246.12

Interior

Basement
Unfinished, Full
Heating
Heat Pump, Forced air, Electric, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Stove, Dryer, Microwave

Exterior & Lot

Exterior features
Wood, Brick

Building

Foundation
Stone
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
5 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement
StorageBasement
StorageBasement
1pc BathroomBasement
BedroomThird level12'3'' x 6'7''
BedroomThird level13'10'' x 6'11''
Primary BedroomSecond level9'0'' x 11'9''
KitchenSecond level9'10'' x 11'9''
DenSecond level6'11'' x 11'1''
BedroomSecond level9'1'' x 11'2''
3pc BathroomSecond level
Living roomMain level12'11'' x 11'7''
KitchenMain level15'6'' x 11'2''
Dining roomMain level12'11'' x 13'9''
FoyerMain level10'6'' x 10'11''
3pc BathroomMain level

Listing Information

MLS®
40861167
Listed
September 8, 2026
Time on market
On the market for 6 days
Data last synced
September 15, 2026

Listing provided by: Royal LePage Wolle Realty · Data source: CREA DDF.

Description

Welcome to 46 Ellen Street West, Kitchener—a charming century home offering the flexibility of a legal duplex or the opportunity to convert it back into a spacious single-family home. Situated on a desirable corner lot, this property boasts fantastic curb appeal, a welcoming covered front porch, and plenty of parking. Step inside to a spacious foyer where a beautiful original wood staircase sets the tone for the character found throughout the home. The main floor features durable laminate flooring, a bright kitchen ready for your personal finishing touches and appliances, and a sunroom just off the kitchen with access to the private backyard. There is a convenient 3-piece bathroom on the main level. The formal dining room, highlighted by a large bay window, flows seamlessly into the inviting living room, creating an ideal space for everyday living and entertaining. The second level offers excellent flexibility with a second kitchen, a generous den that can easily be converted into an additional bedroom by adding a wall, two more bedrooms, and a 3-piece bathroom. Continue to the third level where you'll find two additional bedrooms, perfect for a growing family, guests, or home office space. Outside, enjoy the peaceful backyard featuring a lovely sitting area, ideal for relaxing or entertaining. A detached single-car garage and driveway parking for up to four vehicles provide plenty of convenience. Whether you're an investor looking for a legal duplex or a buyer seeking a home with room to grow, 46 Ellen Street West offers endless possibilities in a central Kitchener location. (id:63159)

Values & Trends

This listing

$397/sqft

Building average

No other active listings in this building

212 - Downtown Kitchener/East Ward average

$423/sqft

33 active listing(s)

Parking: 5 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.)$441.84
Total monthly cost$4,054.26
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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