431 West Acres Drive, Guelph, ON N1K 1N2
Listed by Roy La Chappelle • Keller Williams Edge Realty
431 West Acres Drive , Guelph, ON N1K 1N2
$ 689,900
Bed Rooms
3
Bath Rooms
2
SqFt
961
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Virtual Tour
32 photos
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Year Built
1988
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$717
Car Garage
--
Open House
Sun Aug 23, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
961 sqft
MLS Listing ID
40857251
Style
Bungalow
Bedrooms
3
Full Baths
1
Half Baths
1
Abv Grd Liv Area
961
Annual Tax Amount
$3,968
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
City Of Guelph
Zoning
R1D
Direction
Fife Road to Whitelaw Road to West Acres Drive
Rooms
Other Rooms
Shed(s)
Basement
Full, Partially Finished, Sump Pump
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Ceiling Fan(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings,Skylight(s)
Appliance
Built-in Microwave, Dishwasher, Dryer, Gas Stove, Refrigerator, Washer
Laundry
In-Suite
Exterior
Exterior Feature
Landscaped, Privacy
Parking Features
Asphalt
Roof Type
Asphalt Shing
Porch
Deck
Lot Frontage
34.78
Lot Depth
100.06
Garage
No
Building
Lot Description
Urban, Cul-De-Sac, Library, Place of Worship, Public Transit, Schools
Faces
Fife Road to Whitelaw Road to West Acres Drive
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Gateway Dr. Ps & St. Francis Of Assisi Cs
High Schools
Guelph Cvi & Our Lady Of Lourdes Chs
Others
Senior Community
No
Tax ID
712530044
Ownership
Freehold/None
Virtual Tour
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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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431 West Acres Drive

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