$280K · 1 bed Condo Apartment · Unit 1409, 108 Garment Street, Kitchener, Ontario N2G 0C3

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About this home

Enjoy low-maintenance living in this bright and stylish, freshly painted condo at 108 Garment Street. The open-concept layout features a modern kitchen with stainless steel appliances, ample counter space, and plenty of storage, flowing seamlessly into the sun-filled living area. The unit offers a spacious bedroom with a large closet, a versatile den ideal for a home office or guest space, and a beautifully finished bathroom.Premium custom remote-controlled blackout blinds have been installed on…

Property details

MLS#

X13240958

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

1 Storey/Apt

Type

Condo Apartment

Year built

2023

Occupancy: Vacant
Washrooms: 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: D-6

Condo corp #: 744
Balcony: Open
Locker: Exclusive
Association amenities: Elevator, Exercise Room, Outdoor Pool, Rooftop Deck/Garden, Community BBQ
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete Block
Fronting on: —
Cross street: Victoria/Garment
Stories: 14
Utilities: —
Laundry: Inside
Interior: Other
Parking features: —

Price movement & seller pressure

↓ $10KPrice reduction

MLS shows the seller reduced the asking price by $10,000 (from $289,900 to $279,900).

Motivated SellerWhy this label

110 days on market — Listing has been active for 110 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.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $279,900✓ $2,998 tax✓ Electric✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,074/mo

incl. closing costs (yr 1)

Annual total

$36,889

year 1

Mortgage only

$1,062/mo

principal + interest

Beyond mortgage

$1,331/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$55,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$250/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~550 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$2,799/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,674

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $12,742/yr

Property taxes15% $5,672/yr

Utilities7% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $2,799/yr

Condo fees18% $6,516/yr

Closing costs14% $5,100/yr

Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$12,742	$1,062/mo
Government & taxes
Property tax	$2,998	$250/mo
Land transfer tax(closing)	$2,674	$223/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$2,799	$233/mo
Condo fees
Condo / HOA fees	$6,516	$543/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	$36,889	$3,074/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 1409

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