154 Stephen Street, Kingston, ON K7K 2C7
Kingston, ON K7K 2C7
Quick cost estimateKnown monthly subtotal$2,531.18 / monthLand transfer tax $5,975One-time estimate
Quick cost estimate
$2,531.18 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,210.10
- Property tax / month
- $321.09
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $5,975
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $5,975
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
A rare legal up-and-down duplex on Stephen Street, just east of Sir John A. Blvd and close to the Inner Harbour and downtown Kingston. The home currently offers two one-bedroom apartments. The 2nd level could be returned to a two-bedroom layout, giving a buyer flexibility: live in one unit while the other helps cover the mortgage, renovate both and place new tenants, or convert the property back to its original single-family form. Downtown shops, restaurants, and the waterfront are a short walk away. Queen's University, both hospitals, and the rest of the core are an easy drive or transit ride, making this a strong fit for students, hospital staff, young professionals, and anyone who wants to live close to the city. There are great neighbours on either side. Behind the house, an unusually large garage can store vehicles or serve as a workshop-extra space most inner-city duplexes simply don't have-plus parking for three vehicles. Updates include a 2018 furnace and a metal roof. A note on the photos: some were taken before the current main-floor occupancy, and a few main-floor images have been AI-enhanced to show potential. This is an opportunity to get into the rental market, where the owners have taken good care of the property.
Home details
- Days on market
- Not reported
- Property type
- Semi-Detached
- MLS® number
- X13835222
- Source status
- New
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- K7K 2C7
- Kitchens
- 2
- Kitchens above grade
- 2
- Family room / den
- No
- Interior size (reported range)
- 1500-2000
- Lot depth
- 140 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 6
- Occupancy
- Tenant
- Possession type
- Flexible
- Garage
- Detached
- Annual property tax
- 3853.03
- Basement
- Unfinished, Full
- Interior features
- Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned, Wheelchair Access
- Architectural style
- 2-Storey
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Elevator
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- South
- Construction materials
- Brick
- Roof
- Metal
- Foundation
- Stone
- MLS entry age (not confirmed DOM)
- 39 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 2
- Rooms above grade
- 12
- Den / family room reported
- No
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $475,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
Explore sold records with approved VOW access →Nearby homes sold near 154 Stephen Street, Kingston, ON K7K 2C7, Kingston
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Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- Frontenac
- Municipality
- KINGSTON
- MLS® community
- 22 - East of Sir John A. Blvd
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
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Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in Kingston
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
154 Stephen Street, Kingston, ON K7K 2C7, Kingston is listed for sale as a Semi-Detached. The listing reports 2 bedrooms, 2 bathrooms, reported interior area of 1500-2000 (units not reported), kitchens reported as 2, parking spaces reported as 6. Asking price: $475,000. Occupancy is reported as Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13835222.
Local context
Explore the area: Kingston · 22 - East of Sir John A. Blvd.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: CENTURY 21 HERITAGE GROUP LTD., BROKERAGE. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13835222. Information deemed reliable but not guaranteed.