90 Cardigan Street, Unit 39, Guelph, ON

$1,125,000
MLS#:X12026904
3 beds
4 baths
2750-2999 sqft
2.0 parking
Residential Condo & Other
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Property Highlights

Welcome to this remarkable 3-Storey condo townhouse located in the coveted neighborhood of Downtown. Expertly crafted featuring premium stone and concrete poured construction, this residence presents an exceptional opportunity offered at $1,125,000 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.

  • 3 Bedrooms and 4 Bathrooms
  • Generous living space spanning 2750-2999 sqft
  • Features a partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Water Heater Owned, Countertop Range, Carpet Free
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This exquisite executive townhome, boasting 3 bedrooms and 2 full and 2 half bathrooms, is a true gem located in downtown Guelph. Constructed in 2011, this end unit residence is part of the Stewart Mill Townes community, nestled on a peaceful street just a stone's throw away from the Guelph Transportation Hub, Go Transit, VIA, Sleeman Centre, River Run Centre, a plethora of dining options, scenic parks, and picturesque walking trails. The ground floor has been thoughtfully designed to accommodate your home-based business, featuring direct access from the main entrance and a convenient 2-piece bathroom. Alternatively, it can serve as an ideal family room. On the second floor is a bright kitchen with gas cooktop, a stainless steel wall oven with a warming drawer, and an impressive refrigerator, perfect for culinary enthusiasts. The dining and living areas are bathed in natural light, thanks to the additional windows of an end unit. A charming balcony off the kitchen provides a perfect spot for barbecuing or relaxation, and a 2-piece bathroom completes this level. Upstairs is a large primary suite with walk-in closet, built-ins, and 5-piece ensuite bathroom. Additionally, there are two more bedrooms, 4-piece bathroom, and conveniently located laundry. The basement has a home gym/exercise area and possible office/study area, adding versatility to your living space. There is also a two piece rough in bath if needed. Being an end unit gives you the added bonus of 11 extra windows on the east side of the unit!! The attached single-car garage with a mezzanine for extra storage, along with an exclusive driveway provide parking for two cars. You'll relish the generous living space in this downtown condo.

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Property Summary

This townhouse located at 90 Cardigan Street, Guelph is currently for sale and has been available on SousaSells for 484 days. This property is listed at $1,125,000 with an estimated mortgage of $3,745* per month. It has 3 beds, 4 bathrooms, and is 2750-2999 square feet. 90 Cardigan Street, Guelph is in the Downtown neighborhood.

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

Key Features

Bedrooms
3
Bathrooms
4
Kitchens
1
Living Area
2750-2999 sqft
Property Type
Residential Condo & Other

Additional Details

StatusSold
Sold DateMay 14, 2025
Sold price information is available to members only
Listed Date3/18/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Townhouse
Architectural Style3-Storey
ConstructionStone, Concrete Poured
BasementPartially Finished
CountyWellington
Annual Tax$7,284

Parking & Garage

Parking Spaces2.0
Garage Spaces1
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Public Transit, River/Stream, Arts Centre

Interior Features

Water Heater Owned, Countertop Range, Carpet Free, Auto Garage Door Remote

Security Features

Smoke Detector

Community Features

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Location

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90 Cardigan Street, Unit 39, Guelph, ON
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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 90 Cardigan Street, Guelph, ON N1H 0A4

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

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

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Interest Rate4.00%
Down Payment$337,500 (30.0%)
* Minimum Canadian down payment required for this price is $225,000.
Amortization Period30 Years
Estimated Monthly Payment$3,745Based on a loan of $787,500 over 30 years.
Purchase Price$1,125,000
Loan Amount$787,500
Provincial Land Transfer Tax:$18,975
Total Estimated Closing Taxes:$18,975

About Purchasing a Home in Guelph, ON

For a property listed at $1,125,000 in Guelph, the legal minimum down payment is $225,000 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 $18,975 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 $18,975.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Downtown, Guelph.

Verified Local Data
City Population143,740
City Median Age38.5 Yrs
City Ownership68% Owners
Avg Area List Price$896,099

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

Central
Public97 Dublin Street North, Guelph, Ontario, N1H 4N2
7.6
John McCrae
Public189 Water Street, Guelph, Ontario, N1G 1B3
8.8
Victory
Public135 Exhibition Street, Guelph, Ontario, N1H 4R4
7.8
King George
Public72 Lemon Street, Guelph, Ontario, N1E 2H5
7.7
Sacred Heart
Public125 Huron Street, Guelph, Ontario, N1E 5L5
6.3

Secondary Schools

Guelph
Public155 Paisley Street, Guelph, Ontario, N1H 2P3
8.2
Our Lady of Lourdes
Public54 Westmount Road, Guelph, Ontario, N1H 5H7
4.6
John F Ross
Public21 Meyer Drive, Guelph, Ontario, N1E 4H1
7.7

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied68%
Rented32%

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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.