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$635K · 2 bed Condo Townhouse · Unit 21, 295 Water Street, Guelph, Ontario N1G 2X5 | HomeSearchCanada

$635,000

Unit 21

129 DOM

24129d

Map

⚡ Insider Deal

DOM 129

↓ $50KMotivated SellerPrice Reduced

$635,000

↓ $50KMotivated Seller

DOM129days

Unit 21

295 Water Street · Guelph · Ontario N1G 2X5

MLS® X13059644 · Dovercliffe Park/Old University · N1G 2X5

24Vacant2000-2249 ft²Condo Townhouse1-car AttachedFull, Finished with Walk-Out129d$299/ft²$4,095 tax/yrBuilt 198541 yrs oldFull, Finished with Walk-Out

129 days on market

About this home

Stop Renting, Start Building Equity Why pay your landlord's mortgage when you can invest in your own future? With an estimated monthly payment of just $2,400, this Guelph townhouse offers a budget-friendly entry point into the market that beats paying rent. As a bonus, this Village on the Green townhome includes a community swimming pool to enjoy on those hot summer days. Unlike typical townhomes, 21-295 Water Street features concrete walls for rare, detached-style soundproofing and quiet living…

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Property details

MLS#: X13059644
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 4 full, 0 half
Rooms: 14
Kitchens: 2
Size: 2000-2249Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Finished with Walk-Out
Style: 3-Storey
Type: Condo Townhouse
Year built: 1985

Occupancy: Vacant
Washrooms: 2 pc · Main; 4 pc · Second; 3 pc · Second; 3 pc · Lower
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: R.3A

Foundation: Concrete Block
Property features: Park, Place Of Worship, Public Transit, River/Stream

Condo corp #: 9
Balcony: Open
Locker: None
Fees include: Water Included, Common Elements Included, CAC Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Aluminum Siding, Brick · Deck, Patio
Fronting on: —
Cross street: Edinburgh
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Laundry level: Upper Level
Interior: Auto Garage Door Remote, Water Softener
Parking features: —

Additional listing data

ListAOR: One Point Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $50KPrice reduction

MLS shows the seller reduced the asking price by $50,000 (from $685,000 to $635,000).

Motivated SellerWhy this label

Vacant property — MLS shows vacant occupancy and the listing has been on market 120+ days.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: Royal LePage Royal City Realty

Source: TRREB/PROPTX · MLS® X13059644

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$635K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $635,000✓ $4,095 tax✓ Gas✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,664/mo

incl. closing costs (yr 1)

Annual total

$67,970

year 1

Mortgage only

$2,409/mo

principal + interest

Beyond mortgage

$2,032/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$127,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$341/mo

Utilities

Hydro / electricity$82/mo

≈ $0.07/ft² × ~2,125 ft² · ON avg ~$82/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%$6,350/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)$60/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,175

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $28,908/yr

Property taxes20% $13,270/yr

Utilities6% $4,042/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,350/yr

Condo fees13% $8,700/yr

Closing costs8% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,908	$2,409/mo
Government & taxes
Property tax	$4,095	$341/mo
Land transfer tax(closing)	$9,175	$765/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$982	$82/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,350	$529/mo
Condo fees
Condo / HOA fees	$8,700	$725/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	$67,970	$5,664/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 21

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs