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$429K · 2 bed Common Element Condo · Kitchener | MyPropertyScout

$429,000

Unit 212

29 DOM

2229d

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DOM 29

$429,000

F●●○○○DOM29days

Unit 212

Waterloo Standard · 108 Garment Street · Kitchener · Ontario N2G 0C3

MLS® X13221610 · N2G 0C3

22Vacant900-999 ft²Common Element CondoNone29d$452/ft²$3,962 tax/yrBuilt 20233 yrs old

14% above market · regional est. · 29 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to unit 212 # 108 Garment Street - a stunning 2-bedroom, 2-bathroom condo offering elevated living in the heart of downtown Kitchener-Waterloo. This bright, modern unit features floor-to-ceiling windows, upgraded flooring, and an open-concept layout filled with natural light and skyline views. Loaded with premium builder upgrades including enhanced kitchen cabinetry, upgraded vanities, modern lighting, and stylish finishes throughout. The sleek kitchen features stone countertops and qual…

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Property details

MLS#: X13221610
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 900-999
Style: Apartment
Type: Common Element Condo
Year built: —

Property features: Library, Public Transit

Building name: Waterloo Standard
Condo corp #: 744
Balcony: Open
Locker: Common
Association amenities: BBQs Allowed, Bike Storage, Game Room, Gym, Elevator, Visitor Parking
Fees include: Heat Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete Poured
Fronting on: —
Cross street: Park & Joseph
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Intercom
Parking features: Underground

Rooms

Level	Room	Dimensions
Main	Living Room	4.04m × 3.05m
Main	Kitchen	3.02m × 3.15m
Main	Primary Bedroom	3.05m × 3.05m
Main	Bathroom	2.44m × 1.6m
Main	Bedroom 2	2.97m × 3.05m
Main	Bathroom	2.44m × 1.6m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Keller Williams Innovation Realty

Source: TRREB/PROPTX · MLS® X13221610

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$429K

Unit 212 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $429,000✓ $3,962 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,495/mo

incl. closing costs (yr 1)

Annual total

$53,939

year 1

Mortgage only

$1,627/mo

principal + interest

Beyond mortgage

$1,988/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$85,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$330/mo

Utilities

Hydro / electricity$75/mo

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

Gas$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%$4,290/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)$73/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $19,530/yr

Property taxes17% $9,017/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,290/yr

Condo fees19% $10,442/yr

Closing costs9% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,530	$1,627/mo
Government & taxes
Property tax	$3,962	$330/mo
Land transfer tax(closing)	$5,055	$421/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,290	$358/mo
Condo fees
Condo / HOA fees	$10,442	$870/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	$53,939	$4,495/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 212

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs