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$680K · 3 bed Condo Townhouse · Unit 173, 295 Water Street, Guelph, Ontario N1G 2X5 | HomeSearchCanada

$679,900

Unit 173

63 DOM

3463d

Map

DOM 63

$679,900

DOM63days

Unit 173

295 Water Street · Guelph · Ontario N1G 2X5

MLS® X13216512 · Dovercliffe Park/Old University · N1G 2X5

34OwnerOccupied1400-1599 ft²Condo Townhouse2-car UndergroundFinished with Walk-Out63d$453/ft²$4,333 tax/yrFinished with Walk-Out

63 days on market

About this home

Welcome to 173-295 Water St in Guelph. This Spacious and upgraded end-unit townhouse ideally located near downtown and the university. This bright home features three bedrooms and three and half bathrooms, offering comfort and flexibility for professionals, students or families. The open-concept main floor is filled with natural light creating a warm and inviting living space. A new modern kitchen with stylish finishes and ample storage makes everyday living easy. The oversized primary bedroom i…

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Property details

MLS#: X13216512
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 4 full, 0 half
Rooms: 9
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished with 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 · Second; 3 pc · Second; 2 pc · Main; 4 pc · Basement
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Fireplaces: 1
Fireplace features: Natural Gas

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

Garage: 2-car Underground
Garage spaces: 2
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Water and Edinburgh
Stories: 1
Utilities: —
Laundry: Laundry Room
Laundry level: Lower Level
Interior: Carpet Free, Water Heater, 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: RE/MAX Real Estate Centre Inc

Source: TRREB/PROPTX · MLS® X13216512

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$680K

Unit 173 · Bryon Bertrim

Bryon Bertrim, REALTOR® | Real Broker Ontario Ltd. Brokerage · MLS® via PropTx · © CREA · Bona fide use only

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $679,900✓ $4,333 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,925/mo

incl. closing costs (yr 1)

Annual total

$71,097

year 1

Mortgage only

$2,579/mo

principal + interest

Beyond mortgage

$2,048/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$135,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$361/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%$6,799/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)$58/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $30,952/yr

Property taxes20% $14,406/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,799/yr

Condo fees12% $8,280/yr

Closing costs7% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$30,952	$2,579/mo
Government & taxes
Property tax	$4,333	$361/mo
Land transfer tax(closing)	$10,073	$839/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%)	$6,799	$567/mo
Condo fees
Condo / HOA fees	$8,280	$690/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	$71,097	$5,925/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 173

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