Property Type: Detached HouseOwnership: Freehold

976 GUELPH Street

Kitchener, BC N2H5Z6

$649,000

3 bed3.5 bath6 parking1,560 sqftBuilt 1951
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Frontage
40 feet

HI

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,374.37

Interior

Basement
Finished, Full
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer, Microwave Built-in

Exterior & Lot

Exterior features
Shingles

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
6 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
BedroomBasement10'9'' x 9'11''
2pc BathroomBasement
Recreation roomBasement10'11'' x 14'11''
3pc BathroomSecond level
Primary BedroomSecond level11'4'' x 12'2''
BedroomSecond level11'0'' x 9'3''
Living roomMain level13'0'' x 11'6''
Dining roomMain level12'1'' x 11'7''
KitchenMain level12'1'' x 14'11''
4pc BathroomMain level

Listing Information

MLS®
40850148
Listed
July 24, 2026
Time on market
On the market for 53 days
Data last synced
September 15, 2026

Listing provided by: Royal LePage Wolle Realty · Data source: CREA DDF.

Description

Welcome to the perfect blend of charm, comfort, and outdoor living! This beautifully maintained 3-bedroom, 3-bathroom home offers a lifestyle that's hard to find, combining functional living spaces with an incredible backyard retreat. Step inside to discover a thoughtfully designed interior featuring spacious principal rooms, two bedrooms, and the convenience of three bathrooms—providing comfort and flexibility for everyday living. Whether you're working from home, entertaining guests, or simply enjoying a quiet evening in, this home is designed to fit your lifestyle. Outside is where this property truly shines. Spend your summers relaxing by the inground pool, host unforgettable gatherings around the fire pit or gardening. The detached garage provides excellent storage, workshop potential, or space for your favourite hobby. Perfectly suited for young professionals, growing families, or downsizers who refuse to compromise on outdoor space and lifestyle, this home offers the rare combination of privacy, recreation, and convenience—all in a desirable Kitchener location close to parks, schools, shopping, and commuter routes. This is more than just a house—it's your own private oasis, ready to be enjoyed all year long. (id:63159)

Values & Trends

This listing

$416/sqft

Building average

No other active listings in this building

114 - Uptown Waterloo/North Ward average

$442/sqft

31 active listing(s)

Parking: 6 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: 6.1% ($39,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$519,200.00
Periodic payment — Principal & Interest (monthly)$3,349.70
Additional monthly expenses (strata, tax, utilities, etc.)$359.20
Total monthly cost$3,708.90
Interest paid over 5-yr term$148,804.21
Balance at end of term$467,022.08

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$39,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,683.77

Cash Needed at Closing

Minimum down payment$39,900
Estimated BC PTT$10,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$52,380

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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