Gurvinder Nokwal REALTOR®
For Sale Semi-Detached 20 days on market

$475,000

Est. payment $2,103/moCalculate yours

154 Stephen Street, Kingston, ON K7K 2C7

22 - East of Sir John A. Blvd, Kingston, ON K7K 2C7

  • 2 Beds
  • 2 Baths
  • 2 Garage
  • 1,500 Sq Ft
Map

Listing courtesy of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE MLS® X13835222

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.

Property details

Overview

Property Type
Semi-Detached
Style
2-Storey
For
For Sale
Status
New
Size
1,500 sqft

Interior

Bedrooms
2
Bathrooms
2
Kitchens
2
Basement
Unfinished, Full

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Brick
Foundation
Stone
Roof
Metal
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
29 x 140 Feet
Parking
Detached garage · 6 total

Financial

Property Taxes
$3,853 (2026)

Location

Neighbourhood
22 - East of Sir John A. Blvd
Cross Street
Division and Stephen
Direction Faces
South

Listing

MLS® Number
X13835222
Days on Market
20
Listed On
2026-09-28
Possession
60 Days
Listed By
CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Rooms

Room Level Dimensions
Laundry Main 10′ 11″ × 7′ 7″
Bathroom Main 9′ 5″ × 4′ 11″
Kitchen Main 10′ 11″ × 10′ 6″
Bedroom Second 18′ 5″ × 11′ 0″
Primary Bedroom Main 12′ 3″ × 10′ 11″
- Basement 21′ 8″ × 21′ 7″
Living Room Second 22′ 2″ × 11′ 5″
Living Room Main 21′ 7″ × 10′ 8″
- Basement 10′ 11″ × 10′ 11″
Kitchen Second 10′ 9″ × 8′ 8″
- Basement 10′ 11″ × 8′ 11″
Bathroom Second 10′ 9″ × 7′ 2″

Features

Interior

  • Carpet Free
  • Primary Bedroom - Main Floor
  • Water Heater Owned
  • Wheelchair Access

Pool

  • None
Included
Two stoves, two refrigerators
Excluded
Tenant belongings
Rental items
None

Mortgage calculator

Minimum for this price: $23,750 (5%)

Amortization, years

Estimated mortgage payment

$2,103 per month

Principal and interest
$2,103
Property tax
$321
Estimated monthly cost
$2,424

Your mortgage

Mortgage amount
$380,000
Mortgage insurance
Not needed
Interest over 25 years
$250,959

Cash to close

Down payment
$95,000
Land transfer tax
$5,975
Total, before legal fees
$100,975
Talk to me about financing

Estimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.

Location

154 Stephen Street, Kingston, ON K7K 2C7 22 - East of Sir John A. Blvd, Kingston, ON K7K 2C7
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$475,000 154 Stephen Street, Kingston, ON K7K 2C7
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