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$489,000
26 Ontario Street · Guelph · Ontario N1E 7K1
Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍
Experience true loft living in the heart of Guelph's vibrant and historic St. Patrick's Ward. This beautifully designed one-bedroom unit offers 700 sq. ft. of character, charm, and comfort in the award-winning Mill Lofts conversion at 26 Ontario Street.Originally built in 1902 as a spinning mill, the building was transformed between 2003-2004 into 78 boutique residential lofts-carefully preserving its industrial heritage while adding modern sophistication.Inside, you'll find exposed brick, soari…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $41KPrice reduction
MLS shows the seller reduced the asking price by $40,900 (from $529,900 to $489,000).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: Coldwell Banker Neumann Real Estate
Source: TRREB/PROPTX · MLS® X13021790
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~750 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $22,261 | $1,855/mo |
| Government & taxes | ||
| Property tax | $2,432 | $203/mo |
| Land transfer tax(closing) | $6,255 | $521/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%) | $4,890 | $408/mo |
| Condo fees | ||
| Condo / HOA fees | $7,684 | $640/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 | $54,182 | $4,515/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.