18 Spencer Crescent, Guelph, ON N1L 1M2
Listed by Wendy Zhao • KINGSWAY REAL ESTATE BROKERAGE
18 Spencer Crescent , Guelph, ON N1L 1M2
$ 849,900
Bed Rooms
4
Bath Rooms
4
SqFt
1,818
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Year Built
2002
Days of On-Site Use
--
Property Type
Townhouse
Price per Sqft
$467
Car Garage
2.0
Open House
Sun Aug 23, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Row/Townhouse
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,818 sqft
MLS Listing ID
40855517
Style
Townhouse
Bedrooms
4
Full Baths
3
Half Baths
1
Abv Grd Liv Area
2,464
Annual Tax Amount
$6,455
Property Sub-Type
Row/Townhouse
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
City Of Guelph
Zoning
R3B-8
Direction
Clairfield Drive East and Spencer Crescent
Rooms
Basement
Full, Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplace
Yes
Window Features
Window Coverings
Appliance
Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Garage Door Opener
Roof Type
Asphalt Shing
Lot Frontage
29.63
Lot Depth
106.95
Garage
Yes
Building
Lot Description
Urban, Greenbelt, Library, Park, Place of Worship, Playground Nearby, Public Transit, Quiet Area, School Bus Route, Schools, Shopping Nearby, Trails
Faces
Clairfield Drive East and Spencer Crescent
Story
3
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Townhouse
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Https://Www.Findmyschool.Ca
High Schools
Https://Www.Findmyschool.Ca
Others
Senior Community
No
Tax ID
711861331
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
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

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18 Spencer Crescent

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Navjot Singh

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