Development property with severance potential. Prime development opportunity in central Kingston. This 7,740 sq. ft. lot (60 x 132) carries a Residential designation in the Official Plan with UR5 zoning. The site offers severance potential to create two separate lots, along with the possibility for additional density subject to municipal approvals. The existing structure provides potential redevelopment or adaptive reuse. The property is fully serviced with municipal water, sewer, natural gas, and electricity. A Phase I environmental assessment is available. Ideally situated near Regiopolis-Notre Dame Catholic High School and along multiple transit routes, the property is also walking distance to commercial uses and parks.
works out to roughly $300 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 85 Stephen St
Every detail from the listing, in one place.
Type
Detached
Style
1 1/2 Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
7 spaces
Basement
Full
Features & systems
Parking & garage
Parking spaces
7
Interior
Basement
Full
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
1 1/2 Storey
Property class
Detached
85 Stephen St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13560464$450,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 85 Stephen St Compares to the Kingston Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,211
/mo
based on the purchase price of $450,000
$90,000 cash
$360,000 financed
$303,214 total interest
Principal54%$360,000
Interest46%$303,214
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Kingston
Other 3–4 bed homes for sale in Kingston around $450K.
Average days on market34Homes sold in about 34 days on average.
Sale-to-list ratio97.1%On average, homes sold below asking.
Active listings709Homes for sale here right now.
Median vs prior 90 days−2.5%Compared with Apr 26 – Jul 25, 2026: prices down.
Based on 600 sales from Jul 25 – Oct 23, 2026 (547 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 85 Stephen St
How much is 85 Stephen St listed for?
85 Stephen St is listed at $450,000 (MLS® X13560464). Summitly updates the price as soon as the MLS® record changes.
Is $450,000 a good price for 85 Stephen St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Kingston. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 85 Stephen St changed?
No — 85 Stephen St is still listed at its original asking price of $450,000.
How many bedrooms and bathrooms does 85 Stephen St have?
85 Stephen St has 2 bathrooms, with about 1,500–2,000 square feet of living space. It is a detached home in Kingston.
How much would the monthly mortgage be on 85 Stephen St?
About $2,211 a month — principal and interest on $450,000 with 20% down ($90,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 85 Stephen St compare with other homes in Kingston?
Its asking price of $450,000 is about 24% below the median sold price in Kingston over the last 90 days, $590,000, across 600 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 85 Stephen St been sold before?
Summitly has no earlier MLS® sale or lease of 85 Stephen St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 85 Stephen St?
85 Stephen St is in Kingston, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 85 Stephen St been on the market?
102 days — 85 Stephen St was listed on July 13, 2026.
What is the price per square foot of 85 Stephen St?
About $225 to $300 per square foot: the asking price of $450,000 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 85 Stephen St have parking or a garage?
Yes — the listing gives 7 parking spaces.
Does 85 Stephen St have a basement, and is it finished?
