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$320K · 1 bed Condo Apartment · Unit 2409, 108 Garment Street, Kitchener, Ontario N2G 0E2 | HomeSearchCanada

$319,900

Unit 2409

25 DOM

1125d

Map

DOM 25

$319,900

DOM25days

Unit 2409

108 Garment Street · Kitchener · Ontario N2G 0E2

MLS® X13666784 · N2G 0E2

11TenantOccupied500-599 ft²Condo Apartment1-car UndergroundNo basement25d$582/ft²$3,107 tax/yrNo basement

25 days on market

About this home

Welcome to the highly sought-after Garment St Lofts in Downtown Kitchener. This 1 bed, 1 bath unit includes a nook off the kitchen, ideal for a home office or coffee station. The kitchen features bright white cabinetry, extended upper cabinets, and a breakfast bar. Premium flooring runs throughout, and the bedroom offers floor-to-ceiling windows and a large closet. A 4pc bathroom, in-suite laundry, private balcony, and one underground parking space complete the unit. Base internet is included in…

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Property details

MLS#: X13666784
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 4
Kitchens: 1
Size: 500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Roof: Flat
Foundation: Poured Concrete
Property features: Golf, Hospital, Park, Public Transit

Condo corp #: 744
Balcony: Open
Locker: None
Association amenities: Elevator, Exercise Room, Outdoor Pool, Rooftop Deck/Garden, Other
Fees include: Heat Included, Water Included, CAC Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Garment and Victoria
Stories: 24
Utilities: —
Laundry: In-Suite Laundry
Interior: Other
Parking features: —

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: ROYAL LEPAGE WOLLE REALTY

Source: TRREB/PROPTX · MLS® X13666784

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$320K

Unit 2409 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $319,900✓ $3,107 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,443/mo

incl. closing costs (yr 1)

Annual total

$41,313

year 1

Mortgage only

$1,214/mo

principal + interest

Beyond mortgage

$1,498/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$63,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$259/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 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%$3,199/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,274

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $14,563/yr

Property taxes15% $6,381/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,199/yr

Condo fees16% $6,510/yr

Closing costs12% $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)	$14,563	$1,214/mo
Government & taxes
Property tax	$3,107	$259/mo
Land transfer tax(closing)	$3,274	$273/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%)	$3,199	$267/mo
Condo fees
Condo / HOA fees	$6,510	$542/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	$41,313	$3,443/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 2409

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