85 Duke Street W #703, Kitchener, ON N2H 4Y7
Listed by Kim Ulmer • RE/MAX SOLID GOLD REALTY (II) LTD.
85 Duke Street W #703 , Kitchener, ON N2H 4Y7
$ 324,900
Bed Rooms
1
Bath Rooms
1
SqFt
546
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Year Built
2016
ON MARKET
226
Property Type
Condo
Price per Sqft
$595
Car Garage
1.0
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
546 sqft
MLS Listing ID
40807689
Style
Apartment
Bedrooms
1
Full Baths
1
HOA Fees
$483/mo
HOA Y/N
Yes
Abv Grd Liv Area
546
Annual Tax Amount
$2,877
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
2 - Kitchener East
Zoning
D1
Direction
Duke to Young, Park at Church across the street next to LRT Stop
Rooms
Main Level Bedrooms
1
Kitchen
1
Interior
Interior Features
Air Exchanger, Auto Garage Door Remote(s), Built-In Appliances, Elevator, Ventilation System, Water Treatment
Heating
Forced Air
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Built-in Microwave, Dishwasher, Dryer, Microwave, Refrigerator, Stove, Washer
Laundry
In-Suite, Laundry Closet
Exterior
Exterior Feature
Balcony, Controlled Entry
Parking Features
Garage Door Opener, Concrete, Exclusive
Utilities Available
Cable Available, Cell Service, Electricity Connected, Fibre Optics, Garbage/Sanitary Collection, High Speed Internet Avail, Natural Gas Connected, Recycling Pickup, Street Lights, Phone Available
View Y/N
true
View
City, Panoramic
Roof Type
Asphalt Shing
Porch
Terrace
Garage
Yes
Building
Lot Description
Urban, Airport, Ample Parking, Business Centre, Corner Lot, City Lot, Hospital, Library, Place of Worship, Public Parking, Public Transit, Regional Mall, Shopping Nearby
Faces
Duke to Young, Park at Church across the street next to LRT Stop
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Apartment
Level or Stories
1
Structure Type
Brick
New Construction
Yes
Others
HOA Fee Include
Insurance,Building Maintenance,C.A.M.,Common Elements,Decks,Doors ,Maintenance Grounds,Heat,Gas,Parking,Trash,Property Management Fees,Roof,Snow Removal,Water,Windows
Senior Community
No
Tax ID
236160212
Ownership
Condominium
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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85 Duke Street W #703

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