- Bedrooms
- 2
- Bathrooms
- 1
- Size
- 1,000–1,199sq ft
- Per sq ft
- $299at the range’s middle
- Tax a year
- $2,6452025 tax year
- Parking
- 11 underground
- Days on market
- Members
The brief
About 403-20 Ellen St
403-20 Ellen St is a 2-bedroom, 1-bathroom condo in Kitchener, listed for sale at an asking price of $329,000 (MLS® X13617190).
Welcome to Unit 403 at 20 Ellen St E. in Kitchener-a beautifully cared-for 2-bedroom, 1-bathroom condo that offers modern comfort in the heart of downtown. This bright, open-concept suite showcases sleek laminate flooring ceramic tile and plush bedroom carpet, stainless steel appliances, and expansive windows that flood the space with natural light. The thoughtfully designed layout features a generous living and dining area, ideal for both everyday living and entertaining. The primary bedroom includes a walk-in closet, while the well-appointed 4-piecebathroom offers a clean, functional design with plenty of space. Enjoy the added convenience of in-suite laundry with ample storage. Recent upgrades-handy walk- in tiled shower, newer kitchen and tops, new windows, and California window shutters-enhance both comfort and efficiency. Underground parking is also included. Residents have access to excellent amenities such as a community BBQ area, fitness room, party room, and visitor parking. Just steps from downtown Kitchener's shops, restaurants, parks, and transit, this condo is an ideal opportunity for first-time buyers, downsizers, or investors alike.
Insights
Condition Score
Fair66/1004 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall45/100−$365/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 90 condos with 2 bedrooms for lease in Kitchener right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $2,645 / 2025
- MLS® number
- X13617190
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 1000-1199 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Municipality
- Kitchener
Building
- Size
- 1000-1199 sqft
- Construction
- Brick
Inside
- Bedrooms
- 2
- Bathrooms
- 1
- Bathroom Details
- 1 × 3pc Main
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- EXISTING FRIDGE, STOVE,WASHER, DRYER, DISHWASHER, MICROWAVE, FREEZER
- Condo maint.
- $644
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Br | 3.58 × 3.17 m | — | Main |
| Dining | 3.45 × 3.89 m | — | Main |
| Kitchen | 2.44 × 2.31 m | — | Main |
| Living | 4.67 × 4.78 m | — | Main |
| Primary | 3.25 × 5.0 m | — | Main |
Listing history
Buy/sell history for 403-20 Ellen St, Kitchener, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $329,000 | N/A | Pc | X13617190 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $65,800
- Total mortgage amount
- $263,200
- Total interest payment
- $187,100
- Total purchase cost
- $516,100
- Mortgage payment
- $1,501/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
39%Monthly carrying cost
$2,365- Rent $2,000
- Shortfall $365
Rental income opens at $2,000, the median asking rent of 90 comparable homes for lease in Kitchener. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $3,410
- Total land transfer tax
- $3,410
- First-time buyer rebates (Ontario up to $4,000)
- −$3,410
- Total for first-time buyers
- $0
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $329,000
- $1,185
- Ontario total
- $3,410
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m8 test or monitoring holes also recorded.250 m
- Groundwater recorded about 5.2 m below ground nearbyThe middle water level in the well records within 500 m (86 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 6.7 km6.7 km
Province of Ontario open data
Around the home2
- Nearest rail line: 390 m390 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- 2 facilities within 1 km report pollutant releases to Environment CanadaThe nearest is Krug Furniture Inc. — Seating, 770 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- 2 federal contaminated sites within 1 kmAll of them are closed. The federal inventory covers federal land only, not provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Enova Power Corp.At the address
- Wired internet 50/10 Mbps or faster is listed at a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Waterloo Wireless, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Condos for sale in Kitchener right now
- For sale now
- 158
- Median asking price
- $350K
- New in 7 days
- 15
- Price cuts
- 20%
Middle half: $300K to $399K
65 in 28 days
31 listings
This home is asking 6% below the median.
See all homes in KitchenerAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Frederick | GRT light rail: ION light rail | 700 m |
| Kitchener City Hall | GRT light rail: ION light rail | 700 m |
| Kitchener GO | GO Transit train: Kitchener | 800 m |
| Queen | GRT light rail: ION light rail | 850 m |
| Kitchener Market | GRT light rail: ION light rail | 1 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx; GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Suddaby Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 300 m | 79%Grade 6 average |
| St Anne Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 · French Immersion | 1.1 km | 72%Grade 6 average |
| Sheppard Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.3 km | 72%Grade 6 average |
| École élémentaire L'HarmonieConseil scolaire Viamonde | French-language public · grades JK–8 | 2.7 km | 84%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Cameron Heights Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1.2 km | 74%Grade 9 math |
| Kitchener Waterloo Collegiate and Vocational SchoolWaterloo Region DSB | Public · grades 9–12 · French Immersion | 2.1 km | 73%Grade 9 math |
| St Mary's High SchoolWaterloo CDSB | Catholic · grades 9–12 | 4.1 km | 48%Grade 9 math |
| École secondaire David Saint-JacquesConseil scolaire Viamonde | French-language public · grades 9–12 | 6.2 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in Kitchener are shown to signed-in members.