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Property Type: Condo / ApartmentOwnership: Condominium
1010 - 104 GARMENT STREET
Kitchener, ON N2G0C8
MLS® X13231248
$279,000
2 bed1 bath0 parking
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $587/mo
- Annual property tax
- $3,364.52
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Exterior & Lot
Description
Excellent opportunity for first-time buyers and investors. Bright and spacious 1 Bedroom + Den featuring an upgraded kitchen and unobstructed northeast views. Functional open-concept layout with a versatile den, ideal for a home office, dining area, or additional living space. Well-managed building with great amenities including a gym, party room, and rooftop facilities. Prime Downtown Kitchener location within walking distance to Google Waterloo and close to universities, colleges, and major tech employers. Convenient access to LRT, GO Transit, and the future transit hub. Steps to shopping, dining, and everyday essentials. Tenant is willing to stay. Currently paying approximately $1,900/month. (id:63161)
Listing Information
- MLS®
- X13231248
- Data last synced
- October 29, 2026
RE/MAX GOLD REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX GOLD REALTY INC.
MLS® Number: X13231248
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
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No other active listings in this building
Kitchener average
$454/sqft
380 active listing(s)
Parking: Not indicatedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
256,885
(2021 Census)
+10.1% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($13,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$223,200.00
Periodic payment — Principal & Interest (monthly)$1,440.01
Additional monthly expenses (condo fees, tax, utilities, etc.)$867.35
Total monthly cost$2,307.36
Interest paid over 5-yr term$63,969.76
Balance at end of term$200,769.12
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$13,950
Stress test qualifying rate8.19%
Payment you must qualify for$2,055.13
Cash Needed at Closing
Minimum down payment$13,950
Estimated Land Transfer Tax (LTT)$2,660
Legal / closing costs (typical estimate)$1,500
Total cash needed$18,110
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
