- Bedrooms
- 3+1
- Bathrooms
- 4
- Size
- 1,500–2,000sq ft
- Per sq ft
- $434at the range’s middle
- Lot
- 40.07 x 170.3 ft
- Tax a year
- $4,7382026 tax year
- Parking
- 122 detached
- Days on market
- Members
The brief
About 406 Stirling Ave
406 Stirling Ave is a 3+1-bedroom, 4-bathroom detached house in Kitchener, listed for sale at an asking price of $759,998 (MLS® X13788474).
Welcome to 406 Stirling Ave South. This one and a half storey (approx. 1754 sqft) home boasts 4 total bedrooms (3+1 configuration) + 4 full bathrooms, each bedroom contains its own ensuite bathroom for absolute privacy. This home has no carpets throughout, engineering hardwood flooring on main floor with an open concept living area for modern living. The beautifully maintained kitchen includes quartz counters, white cabinets and kitchen island. Large master bedroom extension on the main floor for added convenience with walk in closet and 4 piece ensuite. This home features a wooden deck in the spacious backyard for entertaining, second floor balcony for those relaxing early morning coffees, outdoor security cameras, tankless water heater, new installed heat pump (2024), water softener and second floor laundry for added convenience. This home also provides a finished basement with separate side entrance, can be used as a rec room or as a 4th bedroom. Double car detached garage with its own electrical panel with a deep private driveway that parks 10 cars total, great for hosting. Conveniently located near schools, parks, transit routes and shopping stores and just minutes from Hwy 8. Book your showing today and don't miss out on your next dream home.
Insights
Condition Score
Good68/1006 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall43/100−$663/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 24 detached homes with 4 bedrooms for lease in Kitchener right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,738 / 2026
- MLS® number
- X13788474
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 40.07 x 170.3 ft
- Listed on
- Parking
- 2 Detached, 12 Parking
Property details
Property
- Property Type
- Detached
- Style
- 1 1/2 Storey
- Municipality
- Kitchener
Building
- Size
- 1500-2000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3+1
- Bathrooms
- 4
- Bathroom Details
- 1 × 4pc Main, 1 × 3pc 2nd, 1 × 3pc 2nd, 1 × 3pc Bsmt
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Garage Type
- Detached
- Garage
- 2
- Additional Parking
- 10
- Total Parking
- 12
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Heat Pump
Land
- Sewer
- Sewers
- Frontage
- 40.07 ft
- Depth
- 170.3 ft
- Lot Size
- 40.07 x 170.3 ft
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Refrigerator, Stove, Over the Range Microwave, Washer, Dryer, Exterior Security Cameras, Window Coverings, Electrical Light Fixtures
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Br | 19.49 × 5.94 m | 4 Pc Ensuite, carpet free | Main |
| Dining | 3.89 × 3.11 m | Carpet Free | Main |
| Living | 5.56 × 3.11 m | Carpet Free | Main |
| Foyer | 4.43 × 2.72 m | Carpet Free | Main |
| Kitchen | 3.89 × 2.83 m | — | Main |
| 2nd Br | 3.89 × 5.58 m | 3 Pc Ensuite | 2nd |
| 3rd Br | 3.21 × 5.23 m | 3 Pc Ensuite | 2nd |
| 4th Br | 4.66 × 3.35 m | 3 Pc Bath | Bsmt |
Listing history
Buy/sell history for 406 Stirling Ave, Kitchener, 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 | $759,998 | N/A | For Sale | X13788474 |
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
- $152,000
- Total mortgage amount
- $607,998
- Total interest payment
- $432,402
- Total purchase cost
- $1,192,400
- Mortgage payment
- $3,468/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
35%Monthly carrying cost
$3,863- Rent $3,200
- Shortfall $663
Rental income opens at $3,200, the median asking rent of 24 comparable homes for lease in Kitchener. 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
- $11,675
- Total land transfer tax
- $11,675
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $7,675
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 $759,998
- $7,200
- Ontario total
- $11,675
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
- 6,824 sq ft634 m²
- Street frontage
- 40.07 ft12.2 m
- Depth
- 170.3 ft51.9 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 MPAC.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m21 test or monitoring holes also recorded.250 m
- Groundwater recorded about 2.4 m below ground nearbyThe middle water level in the well records within 500 m (140 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 7.6 km7.6 km
Province of Ontario open data
Around the home2
- Nearest rail line: 330 m330 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
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 Krug Furniture Inc. — Seating, 2.2 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 Enova Power Corp.At 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 (30 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, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Waterloo Wireless, 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, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Detached homes for sale in Kitchener right now
- For sale now
- 337
- Median asking price
- $800K
- New in 7 days
- 45
- Price cuts
- 18%
Middle half: $670K to $1.04M
155 in 28 days
61 listings
This home is asking 5% below the median.
See all homes in KitchenerAsking 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
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Mill | GRT light rail: ION light rail | 1 km |
| Kitchener Market | GRT light rail: ION light rail | 1.1 km |
| Borden | GRT light rail: ION light rail | 1.3 km |
| Queen | GRT light rail: ION light rail | 1.3 km |
| Kitchener GO | GO Transit train: Kitchener | 2.1 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx; GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Bernadette Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 400 m | 72%Grade 6 average |
| Queen Elizabeth Public SchoolWaterloo Region DSB | Public · grades JK–6 | 800 m | 87%Grade 6 average |
| J F Carmichael Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.3 km | 60%Grade 6 average |
| ÉÉC Cardinal-LégerConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 3.4 km | 61%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Cameron Heights Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1 km | 74%Grade 9 math |
| Eastwood Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 2.3 km | 42%Grade 9 math |
| St Mary's High SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.6 km | 48%Grade 9 math |
| École secondaire David Saint-JacquesConseil scolaire Viamonde | French-language public · grades 9–12 | 6.1 km | 70%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
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