$369K · 1 bed Condo Apartment · Downtown, Guelph

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About this home

Welcome to Suite 508 at 55 Yarmouth Street. A bright and stylish condo in one of Guelph's most walkable locations. This beautifully decorated one-bedroom condo is ideally situated in a well-established building, offering the perfect blend of comfort, convenience, and downtown living just steps from the vibrant heart of the city.Enjoy excellent walkability to shops, restaurants, cafés, the GO Station, and the new Guelph Central Library (scheduled for completion in Fall 2026), along with convenien…

Property details

MLS#

X13232826

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

800-899

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Condo corp #: 188
Balcony: None
Locker: None
Fees include: Heat Included, Building Insurance Included, Water Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Radiant
Heating fuel: Gas
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: Quebec St and Norfolk St
Basement: None
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor, Intercom
Parking features: Surface

Level	Room	Dimensions
Main	Living Room	5.8m × 3.6m
Main	Dining Room	3.3m × 3.6m
Main	Kitchen	3.9m × 3.4m
Main	Primary Bedroom	7.9m × 3.4m
Main	Bathroom	2.3m × 2.3m

Level

Room

Dimensions

Main

Living Room

5.8m × 3.6m

Main

Dining Room

3.3m × 3.6m

Main

Kitchen

3.9m × 3.4m

Main

Primary Bedroom

7.9m × 3.4m

Main

Bathroom

2.3m × 2.3m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $369,000✓ $3,587 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,905/mo

incl. closing costs (yr 1)

Annual total

$46,864

year 1

Mortgage only

$1,400/mo

principal + interest

Beyond mortgage

$1,713/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$73,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$299/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$3,690/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$4,010

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $16,798/yr

Property taxes16% $7,597/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,690/yr

Condo fees17% $8,118/yr

Closing costs11% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$16,798	$1,400/mo
Government & taxes
Property tax	$3,587	$299/mo
Land transfer tax(closing)	$4,010	$334/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%)	$3,690	$308/mo
Condo fees
Condo / HOA fees	$8,118	$677/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	$46,864	$3,905/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 508

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Annual costs