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Property Type: Detached HouseOwnership: Freehold
40 GUELPH Street
Kitchener, ON N2H5W8
MLS® 40865644
$549,900
3 bed2.5 bath2 parking1,306 sqftBuilt 1925
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 34 feet
R2B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,843.11
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Recreation room | Basement | 9'1'' x 16'9'' |
| Cold room | Basement | 4'6'' x 9'4'' |
| Storage | Basement | 8'10'' x 21'6'' |
| 2pc Bathroom | Basement | — |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 7'7'' x 10'6'' |
| Bedroom | Second level | 8'10'' x 10'11'' |
| Primary Bedroom | Second level | 10'10'' x 10'7'' |
| Mud room | Main level | 5'0'' x 10'4'' |
| Kitchen | Main level | 9'10'' x 11'9'' |
| Dining room | Main level | 9'4'' x 10'9'' |
| Living room | Main level | 11'3'' x 11'5'' |
Description
Beautifully maintained and thoughtfully updated, this charming home offers the perfect blend of heritage character, modern comfort and space for a growing family. Warm maple hardwood flooring flows throughout, while numerous updates—including windows, electrical, plumbing, and central air— a high-efficiency furnace, tankless water heater, roof and stainless steel kitchen appliances—make this a home you can simply move into and enjoy. The bright kitchen features a convenient breakfast bar, perfect for busy mornings, homework or casual family meals. Just off the kitchen is a bonus main floor laundry/mudroom, providing a practical everyday drop zone for coats, shoes, backpacks and extra storage. The dining room walks out to a spacious wood deck with a natural gas BBQ line, creating an easy extension of the living space for fall dinners and entertaining. The fully fenced backyard offers plenty of room for children and pets to play, while the unique two-storey shed with hydro provides fantastic additional space for a workshop, hobby area, artist studio or extra storage. The upper level features three bedrooms, each with hardwood flooring and windows that fill the rooms with natural light, creating bright and comfortable spaces for the whole family. Side door and back door separate entrance plus patio sliders to backyard. Set on a mature, tree-lined street in a welcoming and highly sought-after Midtown neighbourhood, this location offers families the best of both convenience and community. Walk to schools, parks and the Spur Line Trail, Google, LRT, Sunlife, the Transit Hub and GO/VIA Station and Grand River Hospital (WRHN) all close by. Ideally positioned between Uptown Waterloo and Downtown Kitchener, with shopping, restaurants, recreation and everyday amenities just minutes from home. Some photos virtually staged (id:63161)
Listing Information
- MLS®
- 40865644
- Data last synced
- October 27, 2026
Re/Max Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Twin City Realty Inc.
MLS® Number: 40865644
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$421/sqft
Building average
—
No other active listings in this building
114 - Uptown Waterloo/North Ward average
$400/sqft
36 active listing(s)
Parking: 2 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
256,885
(2021 Census)
+10.1% since 2016
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (condo fees, tax, utilities, etc.)$385.26
Total monthly cost$3,223.47
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,031.25
Cash Needed at Closing
Minimum down payment$29,990
Estimated Land Transfer Tax (LTT)$7,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,963
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.
