45 Toronto Street, Guelph, ON

$815,000
MLS#:X12373293
4 beds
2 baths
1100-1500 sqft
3.0 parking
Residential Freehold
Loading property media...

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of St. Patrick's Ward. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $815,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 39 x 153 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Storage
  • Efficient forced air heating via gas

Description

Welcome to 45 Toronto Street! This Edwardian century home is located in one of Guelphs most vibrant and eclectic neighbourhoods, just a short walk to Downtown, the Speed River, parks, and local eateries. Step onto the inviting covered front porch and into a freshly painted home featuring high ceilings and updated flooring (2022). The living and dining areas flow seamlessly, creating a warm and welcoming space for everyday living and entertaining. At the back of the home, the spacious kitchen offers plenty of room to cook and gather, complete with a two-piece powder room and direct access to the south-facing backyard, perfect for gardening, relaxing, or enjoying summer evenings. Upstairs, you'll find new carpet on the stairs leading to four bedrooms, each with a closet (a rare feature in homes of this era), and a full bathroom showcasing a charming clawfoot tub. The finished basement includes a cozy recreation room and ample storage for seasonal items or hobbies. This property sits on an impressive 153-foot-deep lot, providing plenty of outdoor space and potential for future expansion or customization. Whether you're a growing family or a character-home enthusiast, 45 Toronto Street delivers timeless charm in a prime location.

Schedule a Tour

Contact us to schedule a private viewing of this property.

Contact Agent

Generate CMA Report

Property Summary

This detached home located at 45 Toronto Street, Guelph is currently for sale and has been available on SousaSells for 317 days. This property is listed at $815,000 with an estimated mortgage of $2,713* per month. It has 4 beds, 2 bathrooms, and is 1100-1500 square feet. 45 Toronto Street, Guelph is in the St. Patrick's Ward neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateNovember 4, 2025
Sold price information is available to members only
Listed Date9/2/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFull, Partially Finished
Lot Size39 × 153 Feet
CountyWellington
Annual Tax$4,517.41
Legal DescriptionPT LOT 118, PLAN 113 ; PT LOT 123, PLAN 113 , AS IN CS49132 ; GUELPH

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Interior Features

Storage

Security Features

Community Features

Virtual Tours

Location

Initializing map...
45 Toronto Street, Guelph, ON
Loading local market trends...

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 45 Toronto Street, Guelph, ON N1E 3E3

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
Loading stats...

Properties in this area are selling at a steady pace.

Market Trend
Calculating trend...

Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Guelph.

Configure Loan Settings

Interest Rate4.00%
Down Payment$244,500 (30.0%)
* Minimum Canadian down payment required for this price is $56,500.
Amortization Period30 Years
Estimated Monthly Payment$2,713Based on a loan of $570,500 over 30 years.
Purchase Price$815,000
Loan Amount$570,500
Provincial Land Transfer Tax:$12,775
Total Estimated Closing Taxes:$12,775

About Purchasing a Home in Guelph, ON

For a property listed at $815,000 in Guelph, the legal minimum down payment is $56,500 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $12,775 for this transaction. As this listing is in Guelph (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $12,775.

Similar Listings Nearby

City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Patrick's Ward, Guelph.

Verified Local Data
City Population143,740
City Median Age38.5 Yrs
City Ownership68% Owners
Avg Area List Price$665,037

People & Families

Age Distribution

Household Composition

One-person households
28%
Families with children
42%
Couples without children
26%
Other households
4%

Top Ethnic Origins

English28%
Canadian22%
Scottish20%
Irish19%

Local Schools Guide

Elementary Schools

Sacred Heart
Public125 Huron Street, Guelph, Ontario, N1E 5L5
6.3
Central
Public97 Dublin Street North, Guelph, Ontario, N1H 4N2
7.6
John Galt
Public50 Laurine Avenue, Guelph, Ontario, N1E 4M9
6.3
King George
Public72 Lemon Street, Guelph, Ontario, N1E 2H5
7.7
John McCrae
Public189 Water Street, Guelph, Ontario, N1G 1B3
8.8

Secondary Schools

St. James
Catholic57 Victoria Road North, Guelph, Ontario, N1E 5G9
5.9
John F Ross
Public21 Meyer Drive, Guelph, Ontario, N1E 4H1
7.7
Guelph
Public155 Paisley Street, Guelph, Ontario, N1H 2P3
8.2
Our Lady of Lourdes
Public54 Westmount Road, Guelph, Ontario, N1H 5H7
4.6

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied68%
Rented32%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.