Property Type: Detached HouseOwnership: Freehold

40 GUELPH Street

Kitchener, BC N2H5W8

$599,900

3 bed2.5 bath2 parking1,199 sqftBuilt 1925
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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
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Gas stove(s), Dishwasher, Stove, Dryer, Window Coverings, Microwave Built-in

Exterior & Lot

Exterior features
Brick
Lot features
Southern exposure, Skylight
Fencing
Fence

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
Recreation roomBasement9'1'' x 16'9''
Cold roomBasement4'6'' x 9'4''
StorageBasement8'10'' x 21'6''
2pc BathroomBasement
4pc BathroomSecond level
BedroomSecond level7'7'' x 10'6''
BedroomSecond level8'10'' x 10'11''
Primary BedroomSecond level10'10'' x 10'7''
Mud roomMain level5'0'' x 10'4''
KitchenMain level9'10'' x 11'9''
Dining roomMain level9'4'' x 10'9''
Living roomMain level11'3'' x 11'5''

Listing Information

MLS®
40859715
Listed
September 2, 2026
Time on market
On the market for 13 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX TWIN CITY REALTY INC. · Data source: CREA DDF.

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. (id:63159)

Values & Trends

This listing

$500/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$439/sqft

31 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: Guelph

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (strata, tax, utilities, etc.)$380.26
Total monthly cost$3,476.54
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,343.96

Cash Needed at Closing

Minimum down payment$34,990
Estimated BC PTT$9,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,488

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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