417 Rivertrail Avenue, Kitchener, ON N2A 0K2
Listed by Amrit Walia • HOMELIFE MIRACLE REALTY LTD.
417 Rivertrail Avenue , Kitchener, ON N2A 0K2
$ 999,999
Bed Rooms
6
Bath Rooms
5
SqFt
2,465
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Year Built
2020
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$405
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
2,465 sqft
MLS Listing ID
40849654
Bedrooms
6
Full Baths
4
Half Baths
1
Abv Grd Liv Area
3,546
Annual Tax Amount
$7,677
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
2 - Kitchener East
Zoning
R-4 1R,597R
Direction
Grand Flats Trail To RiverTrail Avenue
Rooms
Basement
Separate Entrance, Full, Finished, Sump Pump
Bedroom 2
3
Kitchen
2
Interior
Interior Features
Central Vacuum, Auto Garage Door Remote(s), Separate Heating Controls, Water Meter
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Oven, Water Heater, Water Softener, Dishwasher, Dryer, Freezer, Disposal, Microwave, Range Hood, Refrigerator, Stove, Washer
Laundry
Laundry Closet, Lower Level, Upper Level
Exterior
Parking Features
Attached Garage, Garage Door Opener
Utilities Available
Electricity Connected, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Waterfront Description
Access to Water,Lake/Pond
Roof Type
Asphalt Shing
Lot Frontage
39.92
Lot Depth
103.53
Garage
Yes
Building
Lot Description
Urban, Airport, Ample Parking, Business Centre, City Lot, Near Golf Course, Highway Access, Hospital, Library, Major Highway, Park, Place of Worship, Playground Nearby, Public Transit, Quiet Area, Rec./Community Centre, Regional Mall, School Bus Route, Schools, Shopping Nearby, Skiing, Trails
Faces
Grand Flats Trail To RiverTrail Avenue
Story
2
Foundation
Poured Concrete
Sewer
Sanitary, Sewer (Municipal)
Water
Municipal-Metered
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
Yes
Others
Senior Community
No
Tax ID
227136204
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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417 Rivertrail Avenue

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Navjot Singh
Navjot Singh

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