Loading…
Property Type: Condo / ApartmentOwnership: Condominium
20 ST. GEORGE Street Unit# 404
Kitchener, ON N2G2S7
MLS® 40865699
$265,000
2 bed2 bath1 parking898 sqft
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
SGA-3
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Annual property tax
- $2,655.12
Maintenance Fee Includes
WaterManagement
Also included: Common Area Maintenance, Landscaping, Insurance, Parking, Residential Manager
Interior
- Basement
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Main level | 5'9'' x 6'3'' |
| 4pc Bathroom | Main level | 5' x 8'3'' |
| Bedroom | Main level | 10'4'' x 10'6'' |
| Primary Bedroom | Main level | 10'4'' x 13'10'' |
| Kitchen | Main level | 8'4'' x 8'9'' |
| Dining room | Main level | 11'10'' x 8'10'' |
| Living room | Main level | 10'10'' x 17'0'' |
Description
Nestled in the heart of the Victoria Park Heritage District in downtown Kitchener, Sandhills Retirement Community (50+) offers comfortable, carefree living in a well-managed, smoke-free, faith-based yet non-denominational not-for-profit community. This bright and spacious 898 sq. ft. Bricker model features a desirable 2-bedroom layout designed for easy living and everyday comfort. The suite includes fridge, stove, washer, and dryer, along with individually controlled forced-air heating and central air conditioning. The monthly fee covers appliance and HVAC repair or replacement, helping provide added peace of mind, while hydro remains affordable and extra. A storage locker and parking space are also included. Pets are welcome with some restrictions. Residents enjoy an active and engaging lifestyle with daily social activities, a community lounge, and library, all within a warm and welcoming atmosphere. Conveniently located close to the LRT, Victoria Park, churches, shopping, Kitchener Market, the public library, entertainment venues, and the performing arts centre, this location offers exceptional walkability and access to downtown amenities. This is a Life Lease community, meaning there is no land transfer tax or legal closing costs. Please note that residences are owner-occupied only with no rentals permitted, and traditional mortgage financing is not available. (id:63159)
Listing Information
- MLS®
- 40865699
- Data last synced
- October 8, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40865699
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
$295/sqft
Building average
—
No other active listings in this building
311 - Downtown/Rockway/S. Ward average
$410/sqft
22 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% ($13,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$212,000.00
Periodic payment — Principal & Interest (monthly)$1,367.75
Additional monthly expenses (condo fees, tax, utilities, etc.)$266.26
Total monthly cost$1,634.01
Interest paid over 5-yr term$60,759.81
Balance at end of term$190,694.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$13,250
Stress test qualifying rate8.19%
Payment you must qualify for$1,952.00
Cash Needed at Closing
Minimum down payment$13,250
Estimated Land Transfer Tax (LTT)$2,450
Legal / closing costs (typical estimate)$1,500
Total cash needed$17,200
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.
