22 Herlan Avenue, Kitchener, ON N2G 4K3
Listed by Michael Ross Roth • RE/MAX TWIN CITY REALTY INC.
22 Herlan Avenue , Kitchener, ON N2G 4K3
$ 529,000
Bed Rooms
4
Bath Rooms
2
SqFt
1,396
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Virtual Tour
38 photos
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Year Built
1920
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$378
Car Garage
--
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,396 sqft
MLS Listing ID
40859370
Style
Traditional
Bedrooms
4
Full Baths
2
Abv Grd Liv Area
1,396
Annual Tax Amount
$4,043
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
3 - Kitchener West
Zoning
R2B
Rooms
Other Rooms
Shed(s)
Basement
Separate Entrance, Full, Unfinished
Main Level Bedrooms
1
Bedroom 2
3
Kitchen
1
Interior
Interior Features
High Speed Internet, Accessory Apartment
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Laundry
In Basement
Exterior
Utilities Available
Cable Available, Cell Service, Electricity Connected, Natural Gas Connected, Street Lights, Phone Available
Roof Type
Asphalt Shing
Porch
Porch
Lot Frontage
40.0
Lot Depth
160.0
Garage
No
Building
Lot Description
Urban, Business Centre, City Lot, Library, Park, Place of Worship, Public Transit, Quiet Area
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick Veneer
New Construction
No
Others
Senior Community
No
Tax ID
224340016
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/22_herlan_avenue_kitchener_on/
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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22 Herlan Avenue

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Navjot Singh

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