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$419,800
85 Duke Street · Kitchener · Ontario N2H 0B7
24 days on market
Welcome to 85 Duke, a stylish and modern way to live. Located in the heart of downtown Kitchener, this 2-bed, 2-bath unit is awaiting your arrival. When you walk in the door, you're immediately welcomed by bright, natural light from tall living room and bedroom windows, keeping the home warm and inviting. The kitchen offers ample space for cooking and stainless steel appliances for an upscale feel. The living room with access to the open balcony is perfection. Think morning coffees on the patio…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $15KPrice reduction
MLS shows the seller reduced the asking price by $15,200 (from $435,000 to $419,800).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: Royal LePage Royal City Realty
Source: TRREB/PROPTX · MLS® X13838750
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~950 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $19,111 | $1,593/mo |
| Government & taxes | ||
| Property tax | $4,316 | $360/mo |
| Land transfer tax(closing) | $4,871 | $406/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%) | $4,198 | $350/mo |
| Condo fees | ||
| Condo / HOA fees | $11,184 | $932/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 | $54,341 | $4,528/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.