164 King Street, Guelph, ON N1E 4R1
Listed by Andra Arnold • Royal LePage Royal City Realty
164 King Street , Guelph, ON N1E 4R1
$ 979,000
Bed Rooms
2
Bath Rooms
1
SqFt
1,136
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Virtual Tour
45 photos
Highlight
Year Built
1900
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$861
Car Garage
--
Open House
Sat Aug 22, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,136 sqft
MLS Listing ID
40852501
Style
Bungalow
Bedrooms
2
Full Baths
1
Abv Grd Liv Area
1,340
Annual Tax Amount
$5,723
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
City Of Guelph
Zoning
RL.1
Rooms
Basement
Separate Entrance, Walk-Out Access, Full, Partially Finished
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
High Speed Internet, Ceiling Fan(s), Solar Tube(s), Upgraded Insulation, Water Meter
Heating
Forced Air, Natural Gas, Radiant Floor
Cooling
Central Air
Fireplaces Number
1
Fireplace
Yes
Window Features
Window Coverings,Skylight(s)
Appliance
Water Heater, Water Softener, Built-in Microwave, Dishwasher, Dryer, Range Hood, Refrigerator, Washer
Exterior
Exterior Feature
Landscaped, Privacy, Private Entrance
Utilities Available
Cable Connected, Cell Service, Fibre Optics, Garbage/Sanitary Collection, Recycling Pickup, Street Lights, Phone Connected, Underground Utilities
Waterfront Description
River/Stream
Roof Type
Asphalt Shing
Porch
Patio, Porch
Lot Frontage
44.36
Lot Depth
65.09
Garage
No
Building
Lot Description
Urban, Rectangular, Arts Centre, Dog Park, City Lot, Hospital, Landscaped, Library, Park, Place of Worship, Playground Nearby, Public Parking, Public Transit, Quiet Area, Rail Access, School Bus Route, Schools, Shopping Nearby, Trails, Visual Exposure
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick
New Construction
No
Others
Senior Community
No
Tax ID
713190239
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/164_king_st_guelph_on/
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.

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164 King Street

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