$200K · 1 bed Condo Apartment · Kitchener

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About this home

AFFORDABLE OWNERSHIP with style, space and an OWNED UNDERGROUND parking spot. Welcome to 64 Benton Street Unit #506. This is an exceptional opportunity to own a 1-bedroom condo in the heart of downtown Kitchener. Whether you're a first-time buyer, investor, or looking for a low-maintenance urban lifestyle, this unit offers outstanding value in a prime, walkable location. This bright and functional layout features a spacious living area, a well-appointed updated kitchen with stainless appliances…

Property details

MLS#

X12965260

Status

Conditionally Sold

Beds

Baths

1 full, 0 half

Size

600-699

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Lake/Pond, Library, Place Of Worship, Public Transit, School Bus Route

Condo corp #: 408
Balcony: Open
Locker: Exclusive
Association amenities: Elevator, Exercise Room, Media Room, Party Room/Meeting Room, Visitor Parking
Fees include: Water Included, Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: CHURCH STREET
Basement: None
Stories: 5
Utilities: —
Laundry: Coin Operated, Common Area, In Building
Interior: Auto Garage Door Remote, Intercom, Separate Heating Controls
Parking features: —

Level	Room	Dimensions
Main	Living Room	4.09m × 3.84m
Main	Kitchen	1.93m × 2.72m
Main	Primary Bedroom	4.22m × 2.92m
Main	Bathroom	2.82m × 1.5m
Main	Dining Room	2.57m × 3.66m

Level

Room

Dimensions

Main

Living Room

4.09m × 3.84m

Main

Kitchen

1.93m × 2.72m

Main

Primary Bedroom

4.22m × 2.92m

Main

Bathroom

2.82m × 1.5m

Main

Dining Room

2.57m × 3.66m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $199,999✓ $1,492 tax✓ Electric✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,902/mo

incl. closing costs (yr 1)

Annual total

$34,822

year 1

Mortgage only

$759/mo

principal + interest

Beyond mortgage

$1,541/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$40,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$124/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~650 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%$2,000/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)$79/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$1,725

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)26% $9,105/yr

Property taxes9% $3,217/yr

Utilities7% $2,460/yr

Insurance & security5% $1,600/yr

Maintenance6% $2,000/yr

Condo fees33% $11,340/yr

Closing costs15% $5,100/yr

Mortgage is 26% of your true cost of ownership. The other 74% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$9,105	$759/mo
Government & taxes
Property tax	$1,492	$124/mo
Land transfer tax(closing)	$1,725	$144/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%)	$2,000	$167/mo
Condo fees
Condo / HOA fees	$11,340	$945/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	$34,822	$2,902/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 506

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Annual costs