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$540K · 2 bed Condo Apartment · Unit 306, 40 Northumberland Street, Guelph, Ontario N1H 3A5 | HomeSearchCanada

$540,000

Unit 306

11 DOM

2111d

Map

DOM 11

$540,000

DOM11days

Unit 306

40 Northumberland Street · Guelph · Ontario N1H 3A5

MLS® X13713122 · Downtown · N1H 3A5

21OwnerOccupied800-899 ft²Condo Apartment1-car UndergroundNo basement11d$636/ft²$3,766 tax/yrBuilt 1916110 yrs oldNo basement

11 days on market

About this home

RARE Top-Floor Corner Loft in an Exclusive Heritage Building! Welcome home to character, light, and quiet sophistication. Nestled inside a boutique heritage building of only 18 units, this top-floor corner loft offers an elevated living experience with unmatched privacy and charm. Beyond gorgeous and incredibly spacious, this home is perfect for young professionals, retirees, or anyone looking to own a true piece of history. While you may find interesting condos downtown, nothing compares to the…

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Property details

MLS#: X13713122
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: 1916

Occupancy: Owner Occupied
Washrooms: 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry
Special designation: Heritage

Zoning: R4-68

Foundation: Not Applicable
Property features: Arts Centre, Hospital, Library, Park, Place Of Worship, School

Condo corp #: 65
Balcony: Juliette
Locker: Exclusive
Association amenities: Elevator, Rooftop Deck/Garden, Visitor Parking
Fees include: Water Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Controlled Entry, Patio
Fronting on: —
Cross street: Dublin and Northumberland
Stories: 3
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Built-In Oven, Carpet Free, Countertop Range
Parking features: —

Additional listing data

ListAOR: One Point Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: Royal LePage Royal City Realty

Source: TRREB/PROPTX · MLS® X13713122

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$540K

Unit 306 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $540,000✓ $3,766 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,851/mo

incl. closing costs (yr 1)

Annual total

$58,212

year 1

Mortgage only

$2,049/mo

principal + interest

Beyond mortgage

$1,738/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$108,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$314/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$5,400/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)$56/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,275

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $24,583/yr

Property taxes19% $11,041/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,400/yr

Condo fees14% $8,028/yr

Closing costs9% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,583	$2,049/mo
Government & taxes
Property tax	$3,766	$314/mo
Land transfer tax(closing)	$7,275	$606/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,400	$450/mo
Condo fees
Condo / HOA fees	$8,028	$669/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	$58,212	$4,851/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 306

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