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$399K · 2 bed Condo Apartment · Unit 212, 108 Garment Street, Kitchener, Ontario N2G 0C3 | HomeSearchCanada

$399,000

Unit 212

45 DOM

2245d

Map

DOM 45

$399,000

DOM45days

Unit 212

108 Garment Street · Kitchener · Ontario N2G 0C3

MLS® X13599382 · N2G 0C3

22Vacant900-999 ft²Condo ApartmentNoneNo basement45d$420/ft²$3,962 tax/yrBuilt 20233 yrs oldNo basement

45 days on market

About this home

Welcome to unit 212 # 108 Garment Street - a stunning 2-bedroom, 2-bathroom condo offering elevated living in the heart of downtown Kitchener-Waterloo. This bright, modern unit features floor-to-ceiling windows, upgraded flooring, and an open-concept layout filled with natural light and skyline views. Loaded with premium builder upgrades including enhanced kitchen cabinetry, upgraded vanities, modern lighting, and stylish finishes throughout. The sleek kitchen features stone countertops and qual…

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Property details

MLS#: X13599382
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 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: Vacant
Washrooms: 3 pc · Main; 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Property features: Library, Public Transit

Condo corp #: 744
Balcony: None
Locker: Common
Association amenities: BBQs Allowed, Bike Storage, Game Room, Gym, Elevator, Visitor Parking
Fees include: Heat 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 Poured
Fronting on: —
Cross street: Park & Joseph
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Intercom
Parking features: Underground

Additional listing data

ListAOR: Woodstock Ingersoll Tillsonburg & Area Association of REALTORS

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: Keller Williams Innovation Realty

Source: TRREB/PROPTX · MLS® X13599382

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$399K

Unit 212 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,000✓ $3,962 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,307/mo

incl. closing costs (yr 1)

Annual total

$51,678

year 1

Mortgage only

$1,514/mo

principal + interest

Beyond mortgage

$1,963/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$330/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%$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)$73/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)35% $18,164/yr

Property taxes16% $8,422/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,990/yr

Condo fees20% $10,442/yr

Closing costs10% $5,100/yr

Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,164	$1,514/mo
Government & taxes
Property tax	$3,962	$330/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
Gas	$1,500	$125/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	$10,442	$870/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	$51,678	$4,307/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 212

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