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Property Type: TownhouseOwnership: Condominium
38 - 10 HOLBORN COURT
Kitchener, ON N2A3Y9
MLS® X13720440
$475,000
3 bed2.5 bath2 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $542/mo
- Annual property tax
- $2,808
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
Description
Welcome to this beautifully maintained 3-bedroom townhouse nestled in one of Kitchener's most family-friendly communities. Located on a quiet court, this home offers the perfect combination of comfort, convenience, and value for first-time buyers, young families, and downsizers alike. The bright and functional main floor features a spacious living room, a dedicated dining area, and a well-appointed kitchen with ample cabinetry and workspace, making everyday living and entertaining effortless. Upstairs, you'll find three generously sized bedrooms, including a spacious primary bedroom, along with a convenient main bathroom. The partially finished basement provides valuable additional living space, perfect for a recreation room, home office, gym, or children's play area, while still offering plenty of storage. An attached garage, private driveway, and private backyard surrounded by mature trees complete the home, creating a peaceful outdoor setting to relax or entertain. Situated in a well-managed condominium community, you'll enjoy being just minutes from shopping, restaurants, schools, parks, public transit, Zehrs, Canadian Tire, Starbucks, and quick access to Highways 7/8 and 401, making commuting throughout Waterloo Region a breeze. Whether you're looking for your first home or your next chapter, this is an exceptional opportunity to own an affordable, move-in-ready townhouse in a highly desirable location. (id:63159)
Listing Information
- MLS®
- X13720440
- Data last synced
- September 26, 2026
HOMELIFE/MIRACLE REALTY LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE/MIRACLE REALTY LTD
MLS® Number: X13720440
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
$363/sqft
214 active listing(s)
Parking: 2 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: 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% ($23,750) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$380,000.00
Periodic payment — Principal & Interest (monthly)$2,451.63
Additional monthly expenses (condo fees, tax, utilities, etc.)$776.18
Total monthly cost$3,227.81
Interest paid over 5-yr term$108,909.09
Balance at end of term$341,811.23
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,750
Stress test qualifying rate8.19%
Payment you must qualify for$3,498.88
Cash Needed at Closing
Minimum down payment$23,750
Estimated Land Transfer Tax (LTT)$5,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,225
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.
