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Property Type: Detached HouseOwnership: Freehold
8438 HWY 7
Guelph/Eramosa, ON N0B2K0
MLS® X13719170
$1,325,000
5 bed3 full, 2 half bath20 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 349 FT
- Frontage
- 349 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,539 (2026)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Oil
- Cooling / A/C
- Central air conditioning
Description
PRICED TO SELL.BEAUTIFUL 5 BED 2 STORY ON 7.4 ACRES WITH 2 BEDROOMS IN THE LOFT & 3 BEDROOMS ON THE MAIN FLOOR . VERY SPACIOUS MAIN FLOOR COMES WITH SEPARATE LIVING DINING ,FAMILY, BREAKFAST AREA. UPGRADED NEW WINDOWS DOORS, ROOF, A/C, HOT WATER TANK & OIL TANK. MINUTES TO ACTON, ROCKWOOD, GUELPH AND HWY 401. (id:63159)
Listing Information
- MLS®
- X13719170
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: X13719170
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 Toronto Regional Real Estate Board.
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: 8.1% ($107,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,060,000.00
Periodic payment — Principal & Interest (monthly)$6,838.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$544.92
Total monthly cost$7,383.68
Interest paid over 5-yr term$303,799.05
Balance at end of term$953,473.43
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$107,500
Stress test qualifying rate8.19%
Payment you must qualify for$9,440.18
Cash Needed at Closing
Minimum down payment$107,500
Estimated Land Transfer Tax (LTT)$22,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$131,975
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.