$168K · 1 bed Condo Apartment · Kitchener

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About this home

AFFORDABLE DOWNTOWN LIVING! An exceptional opportunity for first-time buyers, investors, students, or anyone seeking an affordable, low-maintenance lifestyle in the heart of downtown Kitchener. This 1-bedroom, 1-bath condo offers incredible value at an entry-level price point rarely seen in today's market. The functional layout features a bright living area, spacious bedroom, 4-piece bathroom, & a private balcony to enjoy your morning coffee or evening city views. An owned storage locker provide…

Property details

MLS#

X13165276

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

600-699

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Place Of Worship, Library, Lake/Pond, Public Transit, Park

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

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick · Controlled Entry
Fronting on: —
Cross street: Church St
Basement: None
Stories: 3
Utilities: —
Laundry: Coin Operated, Common Area, In Building
Interior: Storage Area Lockers
Parking features: —

Level	Room	Dimensions
Main	Bedroom	3.4m × 3.1m
Main	Bathroom	2.62m × 2.41m
Main	Living Room	3.68m × 6.32m
Main	Kitchen	4.04m × 2.06m

Level

Room

Dimensions

Main

Bedroom

3.4m × 3.1m

Main

Bathroom

2.62m × 2.41m

Main

Living Room

3.68m × 6.32m

Main

Kitchen

4.04m × 2.06m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $168,000✓ $1,492 tax✓ Electric✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,669/mo

incl. closing costs (yr 1)

Annual total

$32,033

year 1

Mortgage only

$637/mo

principal + interest

Beyond mortgage

$1,457/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$33,600

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%$1,680/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)$74/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$1,405

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)24% $7,648/yr

Property taxes9% $2,897/yr

Utilities8% $2,460/yr

Insurance & security5% $1,600/yr

Maintenance5% $1,680/yr

Condo fees33% $10,648/yr

Closing costs16% $5,100/yr

Mortgage is 24% of your true cost of ownership. The other 76% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$7,648	$637/mo
Government & taxes
Property tax	$1,492	$124/mo
Land transfer tax(closing)	$1,405	$117/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%)	$1,680	$140/mo
Condo fees
Condo / HOA fees	$10,648	$887/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	$32,033	$2,669/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