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Property Type: Condo / ApartmentOwnership: Condominium
20 ELLEN Street E Unit# 207
Kitchener, ON N2H6R7
MLS® 40871951
94
Walk Score
63
Transit
84
Bike
$258,000
1 bed2.5 bath1 parking820 sqftBuilt 1988
94
Walk Score
63
Transit
84
Bike
Amenities
Gym
Also listed: Car Wash, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 2
R4
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $544/mo
- Annual property tax
- $2,221.48
Maintenance Fee Includes
WaterManagement
Also included: Landscaping
Interior
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Second level | — |
| 4pc Bathroom | Second level | — |
| Primary Bedroom | Second level | 9'7'' x 13'7'' |
| 2pc Bathroom | Main level | — |
| Living room | Main level | 18'6'' x 10'5'' |
| Dining room | Main level | 9'0'' x 7'3'' |
| Kitchen | Main level | 8'7'' x 8'4'' |
Description
Welcome to this spacious, unique unit at 20 Ellen Street! A thoughtfully designed floor plan spread across two distinct stories, providing a unique architectural profile that stands out in the heart of the city. The main level features a functional kitchen, bright living room and convenient 2-piece bathroom. A spiral staircase leads to the upper level, loft-style bedroom, complemented by soaring two-storey windows with a desirable southwest exposure that fills the space with natural light. The upper level also offers a full bathroom, in-suite laundry and a second door providing access to the hallway. This property also provides the practical benefit of a private underground garage space, offering secure vehicle storage and seamless daily transitions. The two-story layout allows for a natural separation of living areas, enhancing the overall functionality and flow of this home. Ideally located in the heart of downtown Kitchener, close to shopping, restaurants, public transit and a variety of urban amenities. Enjoy comfortable living in a bright, distinctive space with everything downtown has to offer just steps away! Experience the perfect balance of convenience and sophisticated living by scheduling your private tour today. (id:63161)
Listing Information
- MLS®
- 40871951
- Data last synced
- October 27, 2026
Re/Max Real Estate Centre Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Real Estate Centre Inc.
MLS® Number: 40871951
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$315/sqft
Building average
—
No other active listings in this building
212 - Downtown Kitchener/East Ward average
$477/sqft
68 active listing(s)
Parking: 1 stall(s) includedStorage 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% ($12,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$206,400.00
Periodic payment — Principal & Interest (monthly)$1,331.62
Additional monthly expenses (condo fees, tax, utilities, etc.)$770.16
Total monthly cost$2,101.79
Interest paid over 5-yr term$59,154.83
Balance at end of term$185,657.47
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$12,900
Stress test qualifying rate8.19%
Payment you must qualify for$1,900.44
Cash Needed at Closing
Minimum down payment$12,900
Estimated Land Transfer Tax (LTT)$2,345
Legal / closing costs (typical estimate)$1,500
Total cash needed$16,745
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.
