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Property Type: Detached HouseOwnership: Freehold
20 HARTFIELD DRIVE
Guelph/Eramosa, ON N1H6J2
MLS® X13791696
$1,250,000
6 bed4.5 bath16 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 110.9 x 316 FT
- Frontage
- 110.1 feet
RR
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,747.7
Interior
- Basement
- Finished, Full, Walk out
- Heating
- Forced air, Electric, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bedroom | Lower level | — |
| Bedroom | Lower level | — |
| Family room | Lower level | — |
| Laundry room | Lower level | — |
| Sunroom | Lower level | — |
| Utility room | Lower level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Den | Main level | — |
| Bathroom | Main level | — |
Description
Welcome to an exceptional residence offering refined country living just minutes from town. Seton an expansive, tree-lined lot, this custom-built home provides a rare blend of privacy, space,and sophistication-perfect for grand entertaining, serene outdoor living, and unforgettable gatherings with family and friends. A spacious main level showcases an oversized living room,elegant dining area, and sun-filled eat-in kitchen, all designed to elevate everyday living. Corner windows frame picturesque views across the estate-like grounds, while the kitchen's walkout to the deck creates a seamless indoor-outdoor flow. The main floor features three generous bedrooms, including a luxurious primary suite complete with an electric fireplace and private ensuite. A versatile den/family room offers the option of a fourth bedroom, adding flexibility to the home's thoughtful layout. The fully finished lower level extends the home's living space with two additional bedrooms, a spacious rec room anchored by a gas fireplace, an additional bathroom, a laundry area with separate shower, abundant storage, and a sunroom/workout space with walkout to the grounds. Direct access to the large double garage and the inground pool enhances both convenience and lifestyle. This residence has been meticulously maintained and upgraded to ensure comfort and peace of mind, including nearly all windows replaced (2018), roof (2017), new A/C and furnace (2021), updated pool liner (2025), pool filter and vacuum (2022), tankless water heater (2023), dishwasher (2022), and water softener(2025). A rare offering-where country tranquility meets elevated living, and every space is crafted for comfort, beauty, and lasting enjoyment. (id:63161)
Listing Information
- MLS®
- X13791696
- Data last synced
- October 22, 2026
Coldwell Banker Community Professionals
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Community Professionals
MLS® Number: X13791696
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Niagara Association of REALTORS®.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
13,904
(2021 Census)
+8.2% since 2016
Density: 47.5/km²
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Mortgage & Ownership Cost Calculator
Minimum required: 8.0% ($100,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,000,000.00
Periodic payment — Principal & Interest (monthly)$6,451.66
Additional monthly expenses (condo fees, tax, utilities, etc.)$562.31
Total monthly cost$7,013.97
Interest paid over 5-yr term$286,602.87
Balance at end of term$899,503.23
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$100,000
Stress test qualifying rate8.19%
Payment you must qualify for$8,916.80
Cash Needed at Closing
Minimum down payment$100,000
Estimated Land Transfer Tax (LTT)$21,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$122,975
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.