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
10
Bath Rooms
4
SqFt
1,504
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Year Built
1840
Days of On-Site Use
--
Property Type
Multi-Family
Price per Sqft
$763
Car Garage
--
Property Details
Key Details
Sub Type
Multi-4 Unit
Listing Status
Pending
Purchase Type
For Sale
Square Footage
1,504 sqft
MLS Listing ID
40798273
Bedrooms
10
Abv Grd Liv Area
1,504
Annual Tax Amount
$9,062
Property Sub-Type
Multi-4 Unit
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
1 - Waterloo East
Zoning
R-5
Direction
Near the intersection of Lancaster St & Bridge St
Rooms
Other Rooms
Shed(s)
Basement
Separate Entrance, Walk-Up Access, Full, Unfinished
Kitchen
0
Interior
Interior Features
Upgraded Insulation
Heating
Forced Air, Natural Gas
Cooling
Wall Unit(s)
Fireplace
No
Appliance
Water Softener, Hot Water Tank Owned, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In-Suite
Exterior
Exterior Feature
Privacy, Private Entrance, Separate Hydro Meters
Parking Features
Gravel
Fence
Fence - Partial
Roof Type
Metal
Porch
Patio, Porch
Lot Frontage
232.0
Lot Depth
214.0
Garage
No
Building
Lot Description
Ample Parking, Cul-De-Sac, Dog Park, Near Golf Course, Highway Access, Library, Open Spaces, Park, Place of Worship, Playground Nearby, Public Transit, Schools, Shopping Nearby, Trails
Faces
Near the intersection of Lancaster St & Bridge St
Story
3
Foundation
Poured Concrete, 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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