498 Karn Street, Kitchener, ON N2M 2C1,Video Tour
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Listed by Scott Shea • RED AND WHITE REALTY INC.
498 Karn Street , Kitchener, ON N2M 2C1
$ 1,379,000
Bed Rooms
7
Bath Rooms
6
SqFt
2,701
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Virtual Tour
23 photos
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Year Built
2024
ON MARKET
10
Property Type
Single Family Home
Price per Sqft
$510
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,701 sqft
MLS Listing ID
40869252
Style
Contemporary
Bedrooms
7
Full Baths
6
Abv Grd Liv Area
3,985
Annual Tax Amount
$8,731
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
3 - Kitchener West
Zoning
RES-4
Direction
Westmount to Karn
Rooms
Basement
Separate Entrance, Walk-Up Access, Full, Finished, Sump Pump
Main Level Bedrooms
2
Bedroom 2
3
Kitchen
3
Interior
Interior Features
Accessory Apartment, Auto Garage Door Remote(s), Built-In Appliances, Separate Heating Controls, Separate Hydro Meters
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Softener
Laundry
In-Suite
Exterior
Exterior Feature
Separate Hydro Meters
Parking Features
Attached Garage, Concrete
Roof Type
Asphalt Shing
Porch
Deck, Patio
Lot Frontage
33.5
Lot Depth
136.76
Garage
Yes
Building
Lot Description
Urban, City Lot, Hospital, Library, Park, Place of Worship, Playground Nearby, Public Transit, Quiet Area, Schools, Shopping Nearby
Faces
Westmount to Karn
Story
2
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Contemporary
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Hillside Ps
High Schools
Kitchener-Waterloo C.I.
Others
Senior Community
No
Tax ID
224380195
Ownership
Freehold/None
Virtual Tour
https://my.matterport.com/show/?m=qE9r3U1UQ6x&brand=0
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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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498 Karn Street

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Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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