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Property Type: Detached HouseOwnership: Freehold
1645 KING Street N
St. Jacobs, ON N0B2N0
MLS® 40851795
$1,197,000
7 bed2 bath16 parking2,736 sqft
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 0.78 acres
- Frontage
- 94 feet
R
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,139
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | 8'11'' x 6'10'' |
| Bedroom | Main level | 8'11'' x 11'10'' |
| Bedroom | Basement | 10'3'' x 10'9'' |
| Bedroom | Basement | 8'7'' x 15'3'' |
| 4pc Bathroom | Basement | 7'0'' x 9'2'' |
| Bedroom | Main level | 11'2'' x 11'9'' |
| Living room | Main level | 12'2'' x 24'8'' |
| Kitchen | Main level | 8'6'' x 12'0'' |
| 4pc Bathroom | Main level | 11'9'' x 8'10'' |
| Bedroom | Main level | 10'3'' x 11'2'' |
| Bedroom | Main level | 10'3'' x 11'6'' |
| Bedroom | Main level | 11'3'' x 12'9'' |
Description
A Rare Opportunity on 0.775 Acres with Income Potential, Spacious Living & Exceptional Outbuildings! Welcome to 1645 King St N, a unique property offering the perfect blend of space, flexibility and opportunity in the sought-after St. Jacobs area. Situated on an impressive 0.775-acre lot, this property is ideal for families, hobbyists, entrepreneurs, investors or anyone looking for additional space and income potential. The main residence offers 4+2 bedrooms and 2 bathrooms, providing plenty of room for a growing family, extended family or those who work from home. The property also features a separate 1-bedroom, 1-bathroom guest house, offering excellent potential for rental income, a private in-law suite, guest accommodations or a dedicated space for family and friends. Adding even more value is the large workshop/garage, perfect for a contractor, tradesperson, car enthusiast, hobbyist or anyone needing substantial workspace and storage. The expansive lot provides plenty of room to enjoy the outdoors, with a generous yard and mature trees creating a peaceful and private setting. Separate -1 bedroom, 1-bathroom guest house, Excellent potential for additional rental income, large workshop/garage, Ample parking and outdoor space, Ideal for families, multi-generational living or investors, Convenient St. Jacobs location. A rare combination of residential living, income potential and workspace. Whether you're looking for a spacious family home, an investment opportunity, a multi-generational property or a place to operate your business or hobby, 1645 King St N offers possibilities that are increasingly difficult to find. (id:63161)
Listing Information
- MLS®
- 40851795
- Data last synced
- October 25, 2026
Re/Max Icon Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Icon Realty
MLS® Number: 40851795
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
$438/sqft
Building average
—
No other active listings in this building
553 - St Jacobs/Floradale/W.Montrose average
$475/sqft
8 active listing(s)
Parking: 16 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: 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.
Nearby Places
Restaurants (1)
Similar Listings Nearby
No similar listings found nearby right now.
Mortgage & Ownership Cost Calculator
Minimum required: 7.9% ($94,700) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$957,600.00
Periodic payment — Principal & Interest (monthly)$6,178.11
Additional monthly expenses (condo fees, tax, utilities, etc.)$648.58
Total monthly cost$6,826.69
Interest paid over 5-yr term$274,450.91
Balance at end of term$861,364.30
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$94,700
Stress test qualifying rate8.19%
Payment you must qualify for$8,546.95
Cash Needed at Closing
Minimum down payment$94,700
Estimated Land Transfer Tax (LTT)$20,415
Legal / closing costs (typical estimate)$1,500
Total cash needed$116,615
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.