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$500K · 2 bed Condo Apartment · Unit 2302, 108 Garment Street, Kitchener, Ontario N2G 0E2 | HomeSearchCanada

$499,900

Unit 2302

140 DOM

22140d

Map

DOM 140

Motivated Seller

$499,900

Motivated Seller

DOM140days

Unit 2302

108 Garment Street · Kitchener · Ontario N2G 0E2

MLS® X12888236 · N2G 0E2

22OwnerOccupied900-999 ft²Condo Apartment1-car UndergroundNo basement140d$526/ft²$3,989 tax/yrNo basement

140 days on market

About this home

At 2302-108 Garment Street, life takes on a different perspective. Perched high above the city, this two-bedroom, two-bathroom condo offers a calm, elevated living experience where natural light and wide-open views become part of everyday life. Floor-to-ceiling windows draw the skyline inside, creating a bright, airy atmosphere that feels almost suspended above the energy of downtown Kitchener-Waterloo. The interior is finished with a clean, modern aesthetic that keeps the focus on space, light,…

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Property details

MLS#: X12888236
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 7
Kitchens: 1
Size: 900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 3 pc · Main; 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Condo corp #: 744
Balcony: Open
Locker: None
Fees include: Building Insurance Included, Heat Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Other
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Off Victoria between Park & Joseph
Stories: 23
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

140 days on market — Listing has been active for 140 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX TWIN CITY REALTY INC.

Source: TRREB/PROPTX · MLS® X12888236

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$500K

Unit 2302 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,900✓ $3,989 tax✓ Other✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,817/mo

incl. closing costs (yr 1)

Annual total

$57,803

year 1

Mortgage only

$1,896/mo

principal + interest

Beyond mortgage

$1,923/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$332/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 ft² · ON avg ~$75/mo · assumes gas heat

Other$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,999/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$62/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $22,758/yr

Property taxes18% $10,462/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,999/yr

Condo fees15% $8,925/yr

Closing costs9% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,758	$1,896/mo
Government & taxes
Property tax	$3,989	$332/mo
Land transfer tax(closing)	$6,473	$539/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,999	$417/mo
Condo fees
Condo / HOA fees	$8,925	$744/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$57,803	$4,817/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 2302

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs