38 Shirk Place, Kitchener, ON N2K 1R4
Listed by Emily Schuurmans • Flux Realty
38 Shirk Place , Kitchener, ON N2K 1R4
$ 1,149,000
Bed Rooms
1
Bath Rooms
1
SqFt
1,504
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Year Built
1840
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$763
Car Garage
--
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
1,504 sqft
MLS Listing ID
40798294
Bedrooms
1
Full Baths
1
Abv Grd Liv Area
1,504
Annual Tax Amount
$9,062
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
1 - Waterloo East
Zoning
R-5
Direction
Near the intersection of Lancaster St & Bridge St
Rooms
Basement
Separate Entrance, Walk-Up Access, Full, Unfinished
Main Level Bedrooms
1
Kitchen
1
Interior
Interior Features
High Speed Internet, In-law Capability, In-Law Floorplan, Upgraded Insulation
Heating
Forced Air, Natural Gas
Cooling
Window Unit(s)
Fireplaces Number
2
Fireplaces Type
Electric, Family Room, Living Room
Fireplace
Yes
Appliance
Water Heater Owned, Water Softener, Dishwasher, Dryer, Gas Stove, Hot Water Tank Owned, Range Hood, Refrigerator, Washer
Laundry
Laundry Closet, Main Level
Exterior
Exterior Feature
Privacy, Private Entrance, Separate Hydro Meters
Parking Features
Gravel
Utilities Available
Electricity Connected, Fibre Optics, Natural Gas Connected
Waterfront Description
River/Stream
View Y/N
true
View
Trees/Woods
Roof Type
Metal
Handicap Access
Accessible Entrance, Open Floor Plan, Parking
Porch
Porch
Lot Frontage
232.0
Lot Depth
214.0
Garage
No
Building
Lot Description
Urban, Ample Parking, Cul-De-Sac, Dog Park, Near Golf Course, Highway Access, Library, Major Highway, Open Spaces, Park, Place of Worship, Playground Nearby, Public Transit, Schools, Shopping Nearby, Trails
Faces
Near the intersection of Lancaster St & Bridge St
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
3
Structure Type
Brick,Concrete
New Construction
No
Schools
Elementary Schools
Bridgeport Ps, Margaret Avenue Ps
High Schools
Bluevale Ci
Others
Senior Community
No
Tax ID
223430227
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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38 Shirk Place

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Navjot Singh

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