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Property Type: Condo / ApartmentOwnership: Condominium
107 - 20 ST GEORGE STREET
Kitchener, ON N2G2S7
MLS® X13800584
$199,900
1 bed1 bath0 parking
Amenities
Visitor Parking
Also listed: Storage - Locker, Separate Heating Controls, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
D5
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $492/mo
- Annual property tax
- $1,674.96
Maintenance Fee Includes
Water
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Electric, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Flat | — |
| Primary Bedroom | Flat | — |
| Kitchen | Flat | — |
| Laundry room | Flat | — |
| Bathroom | Flat | — |
Description
Sandhills Retirement Community opened in 2001, a not-for-profit corporation providing quality housing for active seniors 50+ years of age. Smoke free, caring community of like minded residents. The facility encompasses a 58 bright, lovely and spacious apartment- style suites with large windows in located in downtown Kitchener. Appliances included are washer/dryer, fridge, full size smooth top range/stove & built-in dish-washer. Suites have individually controlled heating with efficient electric hot water/forced air systems and each is cooled with its own rooftop air conditioner. This main floor Eby model 703 sq.ft. 1 bedroom apartment unit with 4pc bathroom and terrace balcony. North West view, garage parking space available for $100/month, locker included. Large master bedroom (large enough for a king sized bed). Kitchen has full size stove and dishwasher. Well managed and quiet building. Very efficient & economical living. Monthly payment $631.16 includes property taxes. Electrical utility is extra but very affordable due to the quality of the building construction. No worries about the appliances and HVAC equipment repairs or replacement costs as they are included. Pet friendly with restrictions. VICTORIA PARK area with its heritage buildings. Close to numerous churches, shopping, entertainment, performing arts centre, library & LRT transit. Life Lease - no Land Transfer Tax nor legal closing costs. Note that unit must be owner occupied (no rental units in building). Traditional mortgage financing is not available. (id:63159)
Listing Information
- MLS®
- X13800584
- Data last synced
- September 18, 2026
HomeLife Power Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HomeLife Power Realty Inc
MLS® Number: X13800584
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Kitchener average
$454/sqft
380 active listing(s)
Parking: Not indicatedStorage locker: Included
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% ($9,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$159,920.00
Periodic payment — Principal & Interest (monthly)$1,031.75
Additional monthly expenses (condo fees, tax, utilities, etc.)$631.16
Total monthly cost$1,662.91
Interest paid over 5-yr term$45,833.53
Balance at end of term$143,848.56
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$9,995
Stress test qualifying rate8.19%
Payment you must qualify for$1,472.47
Cash Needed at Closing
Minimum down payment$9,995
Estimated Land Transfer Tax (LTT)$1,724
Legal / closing costs (typical estimate)$1,500
Total cash needed$13,219
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.
