640 Brock St
Central City East, Kingston, Ontario K7L 1V6
- Bedrooms
- 2+1
- Bathrooms
- 2
- Size
- 700–1,100sq ft
- Per sq ft
- $694at the range’s middle
- Lot
- 45 x 118 ft
- Tax a year
- $4,7362026 tax year
- Built
- 51-99
- Parking
- 41 detached
- Days on market
- Members
The brief
About 640 Brock St
640 Brock St is a 2+1-bedroom, 2-bathroom detached house in Central City East, Kingston, listed for sale at an asking price of $625,000 (MLS® X14097434).
Welcome to 640 Brock Street - a lovely, well-maintained bungalow in a wonderful and convenient location. Just a short walk to downtown, Queen's University, Winston Churchill Public School and Kingston's hospitals. The main level features refinished oak hardwood floors, new kitchen appliances, a renovated bathroom and new carpet in the bedroom. The finished basement offers an additional bedroom and bathroom, plus a rough-in for a kitchenette. Outside, enjoy the gorgeous, deep backyard with a new interlocking stone patio and plenty of sunshine for gardens and entertaining. Detached garage plus parking for three additional vehicles. Perfect for professionals, young families or retirees, with excellent potential for student living.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall39/100−$697/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 10 homes with 3 bedrooms for lease in Kingston right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,736 / 2026
- MLS® number
- X14097434
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 51-99
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 45 x 118 ft
- Listed on
- Parking
- 1 Detached, 4 Parking
Property details
Property
- Property Type
- Detached
- Style
- Bungalow
- Community
- Central City East
- Municipality
- Kingston
Building
- Size
- 700-1100 sqft
- Building Age
- 51-99
- Construction
- Brick
Inside
- Bedrooms
- 2+1
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Main, 1 × 3pc Lower
- Basement Type
- Full
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 3
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Other
- Heating Type
- Heat Pump
Land
- Sewer
- Sewers
- Frontage
- 45 ft
- Depth
- 118 ft
- Lot Size
- 45 x 118 ft
Additional
- Foundation
- Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Microwave, Dishwasher, Refrigerator, Stove, Washer, Dryer, All Attached Light Fixtures, All Attached Window Coverings, All Bathroom Mirrors
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.37 × 2.59 m | — | Main |
| Living | 3.96 × 4.59 m | hardwood floor, O/Looks Frontyard | Main |
| Dining | 2.6 × 3.56 m | Hardwood Floor | Main |
| Bathroom | 1.5 × 2.47 m | 4 Pc Bath, Tile Floor | Main |
| Br | 3.16 × 3.65 m | O/Looks Backyard, Closet, Ceiling Fan | Main |
| Br | 3.86 × 3.45 m | O/Looks Backyard, Closet | Main |
| Rec | 4.43 × 6.83 m | Laminate | Lower |
| Utility | 2.74 × 1.74 m | Sump Pump | Lower |
| Br | 3.02 × 3.8 m | Laminate | Lower |
| Laundry | 4.42 × 3.89 m | Sump Pump | Lower |
| Bathroom | 1.04 × 2.92 m | 3 Pc Bath | Lower |
Listing history
Buy/sell history for 640 Brock St, Kingston, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $625,000 | N/A | Sc | X14097434 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $125,000
- Total mortgage amount
- $500,000
- Total interest payment
- $355,600
- Total purchase cost
- $980,600
- Mortgage payment
- $2,852/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
40%Monthly carrying cost
$3,247- Rent $2,550
- Shortfall $697
Rental income opens at $2,550, the median asking rent of 10 comparable homes for lease in Kingston. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $8,975
- Total land transfer tax
- $8,975
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $4,975
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $625,000
- $4,500
- Ontario total
- $8,975
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 5,310 sq ft493 m²
- Street frontage
- 45 ft13.7 m
- Depth
- 118 ft36 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by GeoWarehouse.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 m
Province of Ontario open data
Planning and building activity3
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- 3 open development applications within 250 mAn application is a proposal: it may change, be refused or never be built.250 m
- Nearest airport: 6.4 km6.4 km
Province of Ontario open data · Municipal development applications
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Queen's University — Queen's University - Kingston Main Campus, 1.2 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Kingston Hydro CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Kingston Online Services, Rogers, WTC Communications, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Cataraqui Region Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – City of Kingston. Contains information licensed under the Open Government Licence – Ontario.
The market
Detached homes for sale in Central City East right now
- For sale now
- 48
- Median asking price
- $812K
- New in 7 days
- 6
- Price cuts
- 15%
Middle half: $629K to $1.01M
23 in 28 days
7 listings
This home is asking 23% below the median, lower than three quarters of them.
See all homes in Central City EastAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Rideau Public SchoolLimestone DSB | Public · grades JK–6 · French Immersion | 350 m | 82%Grade 6 average |
| Winston Churchill Public SchoolLimestone DSB | Public · grades JK–8 | 350 m | 90%Grade 6 average |
| Cathedrale Catholic SchoolAlgonquin and Lakeshore CDSB | Catholic · grades JK–8 · French Immersion | 1.2 km | 79%Grade 6 average |
| École élémentaire publique Madeleine-de-RoybonConseil des écoles publiques de l'Est de l'Ontario | French-language public · grades JK–6 | 1.9 km | 86%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Loyalist Collegiate and Vocational InstituteLimestone DSB | Public · grades 9–12 | 1.3 km | 48%Grade 9 math |
| Katarokwi Learning CentreLimestone DSB | Public · grades 9–12 | 1.4 km | — |
| Regiopolis/Notre-Dame Catholic High SchoolAlgonquin and Lakeshore CDSB | Catholic · grades 9–12 · French Immersion | 1.5 km | 61%Grade 9 math |
| École secondaire publique Mille-IlesConseil des écoles publiques de l'Est de l'Ontario | French-language public · grades 9–12 | 1.9 km | 87%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
Similar Active Listings
Recently sold nearby
Sold prices in Central City East are shown to signed-in members.