$399K · 3 bed Condo Apartment · Unit 1408, 81 Church Street, Kitchener, Ontario N2G 4M1

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About this home

Welcome to Unit 1408 at 81 Church Street, the perfect opportunity to enjoy a carefree, low-maintenance lifestyle in the heart of downtown Kitchener. This stylish and spacious 3-bedroom, 1.5-bath condo offers an inviting layout featuring a large living room, separate dining area, custom kitchen, beautifully updated bathrooms, and the convenience of in-suite laundry, all finished with premium touches throughout. Perched high on the 14th floor, this bright and airy unit showcases breathtaking south…

Property details

MLS#

X13147396

Status

Conditionally Sold

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

1 Storey/Apt

Type

Condo Apartment

Year built

1951

Occupancy: Owner Occupied
Washrooms: 2 pc · Main; 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: R2

Roof: Tar and Gravel
Foundation: Poured Concrete
Property features: Hospital, Library, Park, Public Transit, Rec./Commun.Centre, School

Condo corp #: 17
Balcony: Open
Locker: Exclusive
Association amenities: Community BBQ, Elevator, Exercise Room, Game Room, Party Room/Meeting Room, Indoor Pool
Fees include: Heat Included, Hydro Included, Water Included, Common Elements Included, Building Insurance Included, Parking Included, CAC Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete Block
Fronting on: —
Cross street: Benton Street
Stories: 14
Utilities: —
Laundry: Ensuite
Interior: Auto Garage Door Remote, Intercom, Sauna
Parking features: —

Price movement & seller pressure

↓ $51KPrice reduction

MLS shows the seller reduced the asking price by $51,000 (from $450,000 to $399,000).

Motivated SellerWhy this label

108 days on market — Listing has been active for 108 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✓ $399,000✓ $2,428 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,221/mo

incl. closing costs (yr 1)

Annual total

$50,653

year 1

Mortgage only

$1,514/mo

principal + interest

Beyond mortgage

$1,877/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$202/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$3,990/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)$86/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,460

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $18,164/yr

Property taxes14% $6,888/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,990/yr

Condo fees25% $12,451/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)	$18,164	$1,514/mo
Government & taxes
Property tax	$2,428	$202/mo
Land transfer tax(closing)	$4,460	$372/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,990	$333/mo
Condo fees
Condo / HOA fees	$12,451	$1,038/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	$50,653	$4,221/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 1408

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