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Property Type: Condo / ApartmentOwnership: Condominium
403 - 20 ELLEN STREET
Kitchener, ON N3H6R7
MLS® X13617190
$329,000
2 bed1 bath1 parking
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $644/mo
- Annual property tax
- $2,645.48
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
Description
Welcome to Unit 403 at 20 Ellen St E. in Kitchener-a beautifully cared-for 2-bedroom, 1-bathroom condo that offers modern comfort in the heart of downtown. This bright, open-concept suite showcases sleek laminate flooring ceramic tile and plush bedroom carpet, stainless steel appliances, and expansive windows that flood the space with natural light. The thoughtfully designed layout features a generous living and dining area, ideal for both everyday living and entertaining. The primary bedroom includes a walk-in closet, while the well-appointed 4-piecebathroom offers a clean, functional design with plenty of space. Enjoy the added convenience of in-suite laundry with ample storage. Recent upgrades-handy walk- in tiled shower, newer kitchen and tops, new windows, and California window shutters-enhance both comfort and efficiency. Underground parking is also included. Residents have access to excellent amenities such as a community BBQ area, fitness room, party room, and visitor parking. Just steps from downtown Kitchener's shops, restaurants, parks, and transit, this condo is an ideal opportunity for first-time buyers, downsizers, or investors alike. (id:63161)
Listing Information
- MLS®
- X13617190
- Data last synced
- October 29, 2026
ROYAL LEPAGE TRILAND REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE TRILAND REALTY
MLS® Number: X13617190
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 London and St. Thomas Association of REALTORS®.
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: 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% ($16,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$263,200.00
Periodic payment — Principal & Interest (monthly)$1,698.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$864.25
Total monthly cost$2,562.32
Interest paid over 5-yr term$75,433.88
Balance at end of term$236,749.25
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$16,450
Stress test qualifying rate8.19%
Payment you must qualify for$2,423.43
Cash Needed at Closing
Minimum down payment$16,450
Estimated Land Transfer Tax (LTT)$3,410
Legal / closing costs (typical estimate)$1,500
Total cash needed$21,360
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.
