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$650K · 3 bed Condo Townhouse · Unit 85, 295 Water Street, Guelph, Ontario N1G 2X5 | HomeSearchCanada

$649,900

Unit 85

9 DOM

339d

Map

DOM 9

$649,900

DOM9days

Unit 85

295 Water Street · Guelph · Ontario N1G 2X5

MLS® X13717084 · Dovercliffe Park/Old University · N1G 2X5

33OwnerOccupied1400-1599 ft²Condo Townhouse1-car AttachedFinished, Walk-Out9d$433/ft²$4,167 tax/yrFinished, Walk-Out

9 days on market

About this home

Welcome to a beautifully updated three-bedroom, two-and-a-half-bathroom townhome nestled in the perfect location backing onto lush green space and the scenic Speed River. Offering a wonderful blend of modern updates, comfortable living spaces, and tranquil surroundings, this move-in-ready home is one you won't want to miss.The recently renovated kitchen is the heart of the home, featuring stylish cabinetry, granite countertops, and new appliances, creating a bright and functional space for both…

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Property details

MLS#: X13717084
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished, Walk-Out
Style: 2-Storey
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

Fireplace features: Electric

View: Forest, River

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

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Aluminum Siding, Brick
Fronting on: —
Cross street: Edinburgh
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Water Softener
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: M1 Real Estate Brokerage Ltd

Source: TRREB/PROPTX · MLS® X13717084

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$650K

Unit 85 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,900✓ $4,167 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,757/mo

incl. closing costs (yr 1)

Annual total

$69,085

year 1

Mortgage only

$2,466/mo

principal + interest

Beyond mortgage

$2,044/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$347/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 ft² · ON avg ~$75/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%$6,499/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$9,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $29,586/yr

Property taxes20% $13,640/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,499/yr

Condo fees13% $8,700/yr

Closing costs7% $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)	$29,586	$2,466/mo
Government & taxes
Property tax	$4,167	$347/mo
Land transfer tax(closing)	$9,473	$789/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%)	$6,499	$542/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	$69,085	$5,757/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 85

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