$400K · 2 bed Condo Apartment · Unit 1602, 104 Garment Street, Kitchener, Ontario N2G 0C8

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About this home

Welcome To Stylish Downtown Living In The Heart Of Kitchener! This Beautifully Maintained Newer-build Condo Offers The Perfect Blend Of Space, Functionality, And Location. Featuring 2 Spacious Bedrooms, 1 Modern Bathroom, And Incredible Storage Throughout. This Unit Is Designed For Comfortable Everyday Living. The Thoughtfully Designed Layout Includes A Sleek Floating Kitchen Island, Full-size Washer And Dryer, And A Generously Sized Primary Bedroom Large Enough To Fit A King-size Bed. Natural L…

Property details

MLS#

X13112968

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

2025

Occupancy: Tenant Occupied
Washrooms: 4 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Park, Public Transit, School

Condo corp #: 670
Balcony: Open
Locker: Owned
Association amenities: Exercise Room, Media Room, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Heat Included, Water Included, CAC Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: No

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Victoria St & Park St
Stories: 16
Utilities: —
Laundry: Ensuite
Interior: None
Parking features: Underground

Price movement & seller pressure

↓ $15KPrice reduction

MLS shows the seller reduced the asking price by $15,001 (from $415,000 to $399,999).

Motivated SellerWhy this label

117 days on market — Listing has been active for 117 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,999✓ $3,989 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,180/mo

incl. closing costs (yr 1)

Annual total

$50,165

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,832/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$80,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$332/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,000/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$61/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $18,210/yr

Property taxes17% $8,464/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,000/yr

Condo fees18% $8,832/yr

Closing costs10% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,210	$1,517/mo
Government & taxes
Property tax	$3,989	$332/mo
Land transfer tax(closing)	$4,475	$373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,000	$333/mo
Condo fees
Condo / HOA fees	$8,832	$736/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$50,165	$4,180/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 1602

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs