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Property Type: TownhouseOwnership: Condominium
23C - 1989 OTTAWA STREET S
Kitchener, ON N2E0G7
MLS® X14081612
$420,000
2 bed2.5 bath1 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $341/mo
- Annual property tax
- $3,256 (2025)
Maintenance Fee Includes
Also included: Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
Description
If low-maintenance living in an unbeatable location is on your checklist, this beautifully kept 2-storey condo delivers on every front. The main floor offers a bright, practical layout featuring a fully equipped kitchen with a large dedicated pantry for all your storage needs, a dining area that can seat a table of six comfortably, a main-level powder room, and seamless access to a private outdoor balcony off of the family room. Upstairs, is complete with a dedicated second-floor laundry closet, a 4-piece bathroom, the primary suite features a second private balcony, and the second room could work either as a bedroom or a dedicated home office . The lifestyle accessibility here is hard to match. Getting anywhere is a breeze, Highway 7/8 access is fast and direct, making your daily commute completely effortless. Shopping, groceries, and dining at Sunrise Shopping Centre are just minutes away, and nature lovers will appreciate being steps from peaceful local walking trails. It's completely turn-key, immaculately cared for, and ready for its next owner to unpack and enjoy. (id:63161)
Listing Information
- MLS®
- X14081612
- Tax assessment year
- 2025
- Data last synced
- October 25, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X14081612
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
$363/sqft
214 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% ($21,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$336,000.00
Periodic payment — Principal & Interest (monthly)$2,167.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$611.96
Total monthly cost$2,779.72
Interest paid over 5-yr term$96,298.57
Balance at end of term$302,233.09
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,093.74
Cash Needed at Closing
Minimum down payment$21,000
Estimated Land Transfer Tax (LTT)$4,875
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,375
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.
