$300K · 1 bed Condo Apartment · Kitchener

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About this home

Welcome to Unit 126 at the Kaufman Lofts, a cozy and character-filled 1-bedroom, 1-bathroom home nestled in Kitchener's sought-after Innovation District. This iconic mid-rise building is a celebrated landmark that blends authentic industrial heritage with modern living, featuring polished concrete floors, soaring 13' ceilings, expansive windows, and other true loft details throughout. The open-concept living space is warm and inviting with a built-in fireplace, while the eat-in-kitchen offers am…

Property details

MLS#

X12813316

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

500-599

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Fireplace features: Family Room

View: City

Building name: Kaufman Lofts
Condo corp #: 460
Balcony: None
Locker: Owned
Association amenities: Community BBQ, Elevator, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Water Included, Heat Included, Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: KING STREET W AND VICTORIA STREET
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Intercom, Storage Area Lockers
Parking features: Surface

Level	Room	Dimensions
Main	Kitchen	2.97m × 3.71m
Main	Living Room	3.2m × 4.42m
Main	Bedroom	2.67m × 4.24m
Main	Bathroom	2.71m × 1.58m

Level

Room

Dimensions

Main

Kitchen

2.97m × 3.71m

Main

Living Room

3.2m × 4.42m

Main

Bedroom

2.67m × 4.24m

Main

Bathroom

2.71m × 1.58m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $299,999✓ $2,917 tax✓ Electric✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,356/mo

incl. closing costs (yr 1)

Annual total

$40,273

year 1

Mortgage only

$1,138/mo

principal + interest

Beyond mortgage

$1,512/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$60,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$243/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%$3,000/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)$59/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)34% $13,657/yr

Property taxes15% $5,892/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance7% $3,000/yr

Condo fees21% $8,563/yr

Closing costs13% $5,100/yr

Mortgage is 34% of your true cost of ownership. The other 66% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$13,657	$1,138/mo
Government & taxes
Property tax	$2,917	$243/mo
Land transfer tax(closing)	$2,975	$248/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%)	$3,000	$250/mo
Condo fees
Condo / HOA fees	$8,563	$714/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	$40,273	$3,356/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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Annual costs