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$480K · 2 bed Condo Apartment · Unit 1302, 104 Garment Street, Kitchener, Ontario N2G 0C8 | HomeSearchCanada

$479,900

Unit 1302

86 DOM

2186d

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DOM 86

$479,900

DOM86days

Unit 1302

104 Garment Street · Kitchener · Ontario N2G 0C8

MLS® X13432198 · N2G 0C8

21OwnerOccupied900-999 ft²Condo ApartmentNoneNo basement86d$505/ft²$4,025 tax/yrBuilt 20233 yrs oldNo basement

86 days on market

About this home

Welcome to 104 Garment Street, ideally situated in Waterloo's vibrant Innovation District. This bright and modern 2-bedroom suite features an open-concept layout, contemporary finishes, a stylish kitchen, and large windows that fill the space with natural light. Step out onto your private balcony and enjoy beautiful city views. Residents enjoy exceptional amenities including a state-of-the-art fitness centre, theatre room, rooftop garden with BBQ area, social lounge, boardroom, office space, and…

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Property details

MLS#: X13432198
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: 2023

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

Property features: Park, Place Of Worship, Public Transit

Condo corp #: 670
Balcony: Open
Locker: Ensuite+Common
Association amenities: Exercise Room, Gym, Media Room, Party Room/Meeting Room, Rooftop Deck/Garden
Fees include: CAC Included, Common Elements Included, Heat Included, Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Victoria St S & Park St
Stories: 13
Utilities: —
Laundry: Ensuite
Interior: Other
Parking features: Underground

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: SAVE MAX REAL ESTATE INC.

Source: TRREB/PROPTX · MLS® X13432198

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$480K

Unit 1302 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $479,900✓ $4,025 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,687/mo

incl. closing costs (yr 1)

Annual total

$56,244

year 1

Mortgage only

$1,821/mo

principal + interest

Beyond mortgage

$1,902/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$95,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$335/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 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%$4,799/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$6,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $21,847/yr

Property taxes18% $10,098/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,799/yr

Condo fees16% $8,839/yr

Closing costs9% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,847	$1,821/mo
Government & taxes
Property tax	$4,025	$335/mo
Land transfer tax(closing)	$6,073	$506/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%)	$4,799	$400/mo
Condo fees
Condo / HOA fees	$8,839	$737/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	$56,244	$4,687/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 1302

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