31 James Street W, Guelph, ON N1G 1E3
Listed by Andra Arnold • Royal LePage Royal City Realty
31 James Street W , Guelph, ON N1G 1E3
$ 999,999
Bed Rooms
3
Bath Rooms
2
SqFt
1,403
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Virtual Tour
43 photos
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Year Built
--
ON MARKET
5
Property Type
Single Family Home
Price per Sqft
$712
Car Garage
1.0
Open House
Thu Oct 15, 10:00am - 12:00pm
Sat Oct 17, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,403 sqft
MLS Listing ID
40864108
Style
Traditional
Bedrooms
3
Full Baths
1
Half Baths
1
Abv Grd Liv Area
2,120
Annual Tax Amount
$7,770
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
City Of Guelph
Zoning
RL.1
Rooms
Basement
Full, Finished
Main Level Bedrooms
1
Bedroom 2
2
Kitchen
1
Interior
Interior Features
Brick & Beam, In-law Capability, Upgraded Insulation, Water Meter
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Skylight(s)
Appliance
Water Heater, Dishwasher, Dryer, Freezer, Gas Oven/Range, Gas Stove, Hot Water Tank Owned, Range Hood, Refrigerator, Washer
Exterior
Parking Features
Detached Garage
Waterfront Description
River/Stream
Roof Type
Asphalt Shing
Lot Frontage
45.0
Lot Depth
79.16
Garage
Yes
Building
Lot Description
Urban, Ample Parking, Arts Centre, Dog Park, City Lot, Near Golf Course, Hospital, Library, Major Highway, Open Spaces, Park, Place of Worship, Playground Nearby, Public Parking, Public Transit, Quiet Area, Rail Access, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby, Trails
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick,Stone,Stucco
New Construction
No
Others
Senior Community
No
Tax ID
712380079
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/31_james_st_w_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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31 James Street W

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