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Property Type: Detached HouseOwnership: Freehold
5523 FOURTH LINE
Guelph/Eramosa, ON N0B2K0
MLS® X13413290
$2,743,000
3 bed4.5 bath11 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 210 x 210 FT
- Frontage
- 210 feet
AGRICULTURAL
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $10,484 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Propane
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Mud room | Main level | — |
| Recreational, Games room | Basement | — |
| Office | Basement | — |
| Den | Basement | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Laundry room | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Other | Basement | — |
| Recreational, Games room | Basement | — |
| Cold room | Basement | — |
Description
Welcome to this wonderful custom built rural oasis just north of Guelph and relax in the country serenity and luxury this Builder's own home offers. Situated on a professionally landscaped and appointed one acre lot adjacent to farm land in a wonderful country setting. Fabulous finishes accent the quality here. A huge custom gourmet kitchen with a large island and a great room with fireplace opening to a large covered deck, stamped concrete patio and sidewalks and 16'X32' (3.5'X 6'+/-Deep)heated saltwater pool. back inside there are three generous bedroom with the master featuring a large walk in closet and luxurious ensuite with steam shower. the other two bedrooms are bright and spacious and have a jack and jill 4 pc bath. A large mud room and 2 pc bath are off the huge finished triple-car garage. Downstairs there is an immense, bright rec room and theatre room with large windows (all windows have large stone window wells) and wet serving bar as well as an office and den with egress windows and and a well appointed laundry room, fruit cellar and utility area, forced air propane heat pump assisted furnace, Located just northwest of Rockwood it offers country quiet yet easy access to the Guelph Line and 15 minutes from downtown Guelph and 30 minutes from KW (id:63159)
Listing Information
- MLS®
- X13413290
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
Coldwell Banker Neumann Real Estate
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Neumann Real Estate
MLS® Number: X13413290
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% ($548,600) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$2,194,400.00
Periodic payment — Principal & Interest (monthly)$14,157.52
Additional monthly expenses (condo fees, tax, utilities, etc.)$873.67
Total monthly cost$15,031.19
Interest paid over 5-yr term$628,921.35
Balance at end of term$1,973,869.90
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$548,600
Stress test qualifying rate8.19%
Payment you must qualify for$17,014.81
Cash Needed at Closing
Minimum down payment$548,600
Estimated Land Transfer Tax (LTT)$55,050
Legal / closing costs (typical estimate)$1,500
Total cash needed$605,150
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.