41 Alma ST N, Guelph, ON N1H 5X2
41 Alma ST N , Guelph, ON N1H 5X2
$ 769,000
Bed Rooms
4
Bath Rooms
2
--
Save
Request Showing
Virtual Tour
Video Tour
44 photos
Highlight
Year Built
--
Days of On-Site Use
--
Property Type
Multi-Family
Price per Sqft
--
Car Garage
--
Property Details
Key Details
Sub Type
Duplex
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
700-1100
Subdivision
Junction/Onward Willow
MLS Listing ID
X13215068
Style
Bungalow
Bedrooms
4
Annual Tax Amount
$4,668
Tax Year
2025
Property Sub-Type
Duplex
Location
Province
ON
County
Wellington
Area
Wellington
Zoning
R1B
Rooms
Basement
Finished, Separate Entrance
Kitchen
2
Interior
Interior Features
Other
Cooling
Central Air
Inclusions
Dishwasher, Dryer, Range Hood, Refrigerator, Stove, Washer.
Exterior
Parking Features
None
Pool
None
Roof Type
Asphalt Shingle
Total Parking Spaces
4
Building
Building Age
31-50
Foundation
Poured Concrete
Others
Virtual Tour
https://unbranded.youriguide.com/41_alma_st_n_guelph_on/
Lited by EXP REALTY
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Nearby Locations

Go tour this home

41 Alma ST N

GET MORE INFORMATION

Navjot Singh
Navjot Singh

REALTOR® | License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

Name
Phone*
Message

By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from Navjot Singh, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.