$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
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
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
Estimated mortgage payment
$2,103 per month
- Principal and interest
- $2,103
- Property tax
- $321
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $100,975
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates 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
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