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Property Type: Condo / ApartmentOwnership: Condominium
1302 - 104 GARMENT STREET
Kitchener, ON N2G0C8
MLS® X13432198
$479,900
2 bed1 bath1 parking
Amenities
Gym
Also listed: Storage - Locker, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $737/mo
- Annual property tax
- $4,025
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Storage | Flat | — |
| Kitchen | Flat | — |
| Living room | Flat | — |
| Primary Bedroom | Flat | — |
| Bedroom 2 | Flat | — |
| Bathroom | Flat | — |
| Laundry room | Flat | — |
Description
Welcome to 104 Garment Street, ideally situated in Waterloo's vibrant Innovation District. This bright and modern 2-bedroom suite features an open-concept layout, contemporary finishes, a stylish kitchen, and large windows that fill the space with natural light. Step out onto your private balcony and enjoy beautiful city views. Residents enjoy exceptional amenities including a state-of-the-art fitness centre, theatre room, rooftop garden with BBQ area, social lounge, boardroom, office space, and more-designed to elevate your lifestyle. Ideally located within walking distance to the ION Light Rail, Google, the University of Waterloo School of Pharmacy, McMaster University's Waterloo campus, restaurants, cafés, shopping, and entertainment. Perfect for professionals, first-time buyers,and investors seeking modern urban living in one of Waterloo's most desirable communities. (id:63159)
Listing Information
- MLS®
- X13432198
- Data last synced
- September 15, 2026
SAVE MAX REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SAVE MAX REAL ESTATE INC.
MLS® Number: X13432198
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
—
No other active listings in this building
Kitchener average
$454/sqft
380 active listing(s)
Parking: 1 stall(s) includedStorage 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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
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% ($23,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$383,920.00
Periodic payment — Principal & Interest (monthly)$2,476.92
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,072.04
Total monthly cost$3,548.96
Interest paid over 5-yr term$110,032.58
Balance at end of term$345,337.28
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,534.97
Cash Needed at Closing
Minimum down payment$23,995
Estimated Land Transfer Tax (LTT)$6,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,568
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.
