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Areas

Kingston neighbourhoods and reverse mortgages

Kingston neighbourhoods all follow the same reverse mortgage rules. What differs from Sydenham to Collins Bay to Glenburnie is the house: its age, its type, whether it is on city water or a well, and its value. Those decide how much a lender will advance.

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Kingston Harbour and downtown seen from Fort Henry

Central Kingston: the pre-1998 city

The older city between Cataraqui Creek and the Cataraqui River, from the downtown waterfront north to the Inner Harbour. Much of Kingston's limestone housing is here, including the Old Sydenham and Market Square heritage conservation districts.

Sydenham: The downtown residential streets east of the university, inside the Old Sydenham Heritage Conservation District (about 550 properties). Exterior changes can need a City heritage permit.
Portsmouth Village: The former village on the lake west of downtown, near the Portsmouth Olympic Harbour.
Williamsville and Kingscourt: Older streets either side of Princess Street, north and west of downtown. Many houses are close to Queen's, so some owners rent rooms or a suite.
Inner Harbour and Rideau Heights: North of downtown along the Cataraqui River. The Seniors Centre North is at the Rideau Heights Community Centre.
Calvin Park, Sunnyside and Polson Park: Streets in the middle of the city, between Princess Street and the lake, inside the city limits by the 1950s.

The west end: the former Kingston Township

West of Cataraqui Creek and south of Highway 401, the suburbs that were Kingston Township until 1998. Homes here are mostly newer detached houses and townhouses, with Bath Road, Front Road and Taylor-Kidd Boulevard as the main routes.

Bayridge and Westbrook: Large residential areas of detached homes and townhouses on the western edge of the city.
Collins Bay: Along the lake at the west end, where Bath Road and Front Road run toward Amherstview (Amherstview itself is in Loyalist Township, not Kingston).
Reddendale and Strathcona Park: Lakeside and near-lake streets west of Cataraqui Creek, toward Collins Bay.
Cataraqui North: Newer subdivisions in the north-west of the urban area, near Gardiners Road and Highway 401.

East of the Cataraqui River: the former Pittsburgh Township

Across the river from downtown, beside CFB Kingston and the Royal Military College. The Waaban Crossing, opened in December 2022, links this side to John Counter Boulevard; the La Salle Causeway and Highway 401 are the older routes.

Barriefield Village: An early village on the slope above the river, a heritage conservation district since 1981.
Greenwood and Cataraqui River East: Residential streets between Highway 15 and the river, now a short drive to the west side over the Waaban Crossing.
St. Lawrence and Ravensview: Streets east of Fort Henry along Highway 2, toward the edge of the city.

Rural Kingston, north of Highway 401

Hamlets and country roads in the Countryside District and rural Pittsburgh. Many homes here use a private well and septic system, and the City does not allow additional residential units on rural properties.

Glenburnie and Elginburg: Hamlets north of the 401 in the former Kingston Township. Fairmount Home, the County of Frontenac's long-term care home, is in Glenburnie.
Joyceville, Brewer's Mills and Kingston Mills: Rural east side along the Rideau Canal, whose locks at Kingston Mills are part of the Rideau Canal World Heritage Site.

Lake Ontario Park on the Kingston waterfront

Photo: P199, CC BY-SA 4.0, via Wikimedia Commons. Area page Reverse Mortgages in Kingston's West End: How Much Your Home Could Give You Detached houses and townhouses in the former Kingston Township, from Cataraqui North down to Collins Bay and the lake.

Fort Henry on its hill above the water, Kingston

Photo: Benson Kua from Toronto, Canada, CC BY-SA 2.0, via Wikimedia Commons. Area page Reverse Mortgages in Kingston East: How Much Your Home Could Give You The former Pittsburgh Township across the Cataraqui River, from heritage Barriefield Village to the streets past Fort Henry.

The lower locks at Kingston Mills on the Rideau Canal, north Kingston

Photo: D. Gordon E. Robertson, CC BY-SA 3.0, via Wikimedia Commons. Area page Rural Kingston Reverse Mortgage: Glenburnie to Joyceville Country homes north of Highway 401, from the Countryside District hamlets to Kingston Mills on the Rideau Canal.