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Property Type: Detached HouseOwnership: Freehold
5445 5TH LINE
Guelph/Eramosa, ON N0B2K0
MLS® X13071076
$1,995,000
4 bed3.5 bath22 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 580.7 x 2203 FT ; 580'x1068'x417' x1136'x995'x2203'
- Frontage
- 580.8 feet
A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,247.07
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Propane
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
| Eating area | Main level | — |
| Cold room | Basement | — |
| Laundry room | Basement | — |
| Other | Basement | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
Description
Set well back from the road, a long tree-lined driveway leads to this stately two-storey red brick residence sitting on a total of 44 ACRES. Offering over 3,000 sq. ft. of living space, this impressive 1994-built home features timeless curb appeal, a covered front porch, and an oversized attached two-car garage. Inside, a grand foyer with a curved staircase sets the tone. The main floor offers elegant principal rooms, including a formal living room, dining room with French doors, a spacious eat-in kitchen, and a sunken family room with a striking stone fireplace and wood-burning insert. Upstairs, the generous primary suite features a walk-in closet and a five-piece ensuite, while two additional bedrooms also offer walk-in closets. A bonus room with French doors provides flexibility as a fourth bedroom, nursery, den, or private office. The full unfinished basement, complete with bathroom rough-in, offers excellent future potential. Outdoors, enjoy a newer deck overlooking the property, plus a 30' x 50' barn with hydro, water, and upper-level storage, along with a 30' x 50' drive shed ideal for equipment, hobbies, or storage. With approximately 44 acres, including about 22 acres in crop production, this is a rare opportunity to enjoy privacy, space, and true country living. (id:63159)
Listing Information
- MLS®
- X13071076
- Data last synced
- October 14, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X13071076
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 OnePoint Association of REALTORS®.
Location Insights
Weather
Nearest station: Guelph
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
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: 20.0% ($399,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,596,000.00
Periodic payment — Principal & Interest (monthly)$10,296.85
Additional monthly expenses (condo fees, tax, utilities, etc.)$437.26
Total monthly cost$10,734.11
Interest paid over 5-yr term$457,418.19
Balance at end of term$1,435,607.16
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$399,000
Stress test qualifying rate8.19%
Payment you must qualify for$12,374.97
Cash Needed at Closing
Minimum down payment$399,000
Estimated Land Transfer Tax (LTT)$36,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$436,875
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.