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$660K · 2 bed Condo Townhouse · Dovercliffe Park/Old University, Guelph | MyPropertyScout

$659,900

Unit 21

62 DOM

2462d

Map

⚡ Insider Deal

DOM 62

↓ $25,100Price Reduced

$659,900

F●●○○○DOM62days

Unit 21

295 Water Street · Guelph · Ontario N1G 2X5

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

24Vacant2000-2249 ft²Condo Townhouse1-car Attached62d$311/ft²$4,095 tax/yrBuilt 198541 yrs old

17% above market · regional est. · 62 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Living in a townhouse usually means knowing exactly when your neighbor is watching reality TV. Not here. 21-295 Water Street is built with concrete walls, giving you the soundproofing that usually only comes with detached living. It is a rare find in the Guelph market, offering genuine peace and quiet without the endless weekend exterior maintenance. The layout is refreshingly functional. On the main floor, a spacious balcony sits off the kitchen and breakfast nook, making it an easy spot for a…

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Property details

MLS#: X13059644
Status: Buy Now
Beds: 2
Baths: 4 full, 0 half
Size: 2000-2249
Style: 3-Storey
Type: Condo Townhouse
Year built: —

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
Basement: Full, Finished with Walk-Out
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Water Softener
Parking features: —

Rooms

Level	Room	Dimensions
Main	Living Room	3.39m × 6.62m
Main	Dining Room	2.41m × 3.39m
Main	Breakfast	2.41m × 3.43m
Main	Kitchen	3.32m × 3.43m
Main	Bathroom	1.33m × 1.36m
Second	Primary Bedroom	3.41m × 9.4m
Second	Bathroom	1.51m × 2.37m
Second	Laundry	1.5m × 1.5m
Second	Bedroom 2	3.11m × 3.42m
Second	Bathroom	1.49m × 2.36m
Lower	Family Room	2.67m × 3.22m
Lower	Kitchen	0.58m × 4.85m
Lower	Bathroom	1.34m × 2.45m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Royal LePage Royal City Realty

Source: TRREB/PROPTX · MLS® X13059644

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$660K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $659,900✓ $4,095 tax✓ Gas✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,821/mo

incl. closing costs (yr 1)

Annual total

$69,851

year 1

Mortgage only

$2,503/mo

principal + interest

Beyond mortgage

$2,053/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$131,980

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%$6,599/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$9,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $30,041/yr

Property taxes20% $13,768/yr

Utilities6% $4,042/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,599/yr

Condo fees12% $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)	$30,041	$2,503/mo
Government & taxes
Property tax	$4,095	$341/mo
Land transfer tax(closing)	$9,673	$806/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%)	$6,599	$550/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	$69,851	$5,821/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

Rooms

Sales History

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Annual costs