98 Waterloo Avenue, Guelph, ON

$845,000
MLS#:X14129898
4 Bedrooms
3 baths
2000-2500 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 4 Bed, 3 Bath Home at 98 Waterloo Avenue Guelph ON listed at $845,000 (MLS# X14129898) - Main View
For Sale

GTA Transit & Commute from this Address

Realistic rush-hour travel times from 98 Waterloo Avenue

GO Train to Union Station

Guelph Central GO: Kitchener line direct train to Union

Highway Access

Highway 6 & 401 access: 10–15 min drive

Airport & Regional Link

Waterloo Region Airport: 20 min | Pearson: 45 min

Added:Oct 29, 2026(17 days ago)
Updated:Nov 3, 2026(12 days ago)
Last Checked:10 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of Downtown. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $845,000 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 3 Bathrooms with 2 functional kitchens
  • Generous living space spanning 2000-2500 sqft on a premium 51.82 x 83.59 ft lot
  • Features a exposed rock, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (4.0 total parking spaces)
  • Notable attributes: Storage, Water Heater Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

A RARE OPPORTUNITY FOR FIRST TIME HOME BUYERS LOOKING TO LIVE-IN AND OFFSET THEIR MORTGAGE! Whether you're an investor or a savvy buyer, you will love the versatility of this home. Find parking for 4 vehicles, STRONG WALKABILITY to the Downtown Core, parks, restaurants, shopping, and easy access for those who prefer to bike. The main floor of this home hosts a unit spanning OVER 1000 Sq Ft of living space. Enjoy exclusive use of a 11 ft x 14 ft back deck. Inside, 2 bedrooms, a beautiful sunroom/second living area, designated dining area with skylight, space for a home office, two full-bathrooms, two bedrooms, large windows, and in-suite laundry. This unit is full of charm, with the original hardwood floors, beautiful trim, and so much potential to make it a hip, design forward space that suits your taste. Working from home is easy, with spaces for more than one office. It's not often you find this big of a main floor unit in such a central location. This unit is now VACANT and move in ready! Upstairs, let the 2 bedroom unit above offset your mortgage. Currently tenanted and generating $2,500 a month (inclusive of utilities), this is a fantastic investment opportunity. Two bedrooms, a newly renovated bathroom, in-unit laundry and access to a rooftop patio overlooking the mature treelines beyond. An added bonus is the space below the deck, where the exterior door leads to the unfinished basement, the ideal, dry storage spot for you and your tenants belongings. Whether you are a young professional/ university-grad looking for a location central to the downtown area, an investor looking to rent both units and generate over $5,000 a month, or a first-time buyer looking for a savvy move, 98 Waterloo Avenue offers: a prime location, parking, a private backyard, a solid, double-wide brick exterior in great shape, and is already generating a positive cashflow.

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Property Summary

This duplex located at 98 Waterloo Avenue, Guelph is currently for sale and has been available for 17 days. This property is listed at $845,000 with an estimated mortgage of $2,813* per month. It has 4 beds, 3 bathrooms, and is 2000-2500 square feet. 98 Waterloo Avenue, Guelph is in the Downtown neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Downtown, Guelph.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2000-2500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Downtown, Guelph.

Target Buyer Match

Key Features

Bedrooms
4 Bedrooms
Bathrooms
3
Kitchens
2
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$845,000
AddedOct 29, 2026 (17 days ago)
UpdatedNov 3, 2026 (12 days ago)
Last Checked10 minutes ago
Transaction TypeFor Sale
List Office NameRoyal LePage Royal City Realty

Property Details

Property Sub-TypeDuplex
Architectural Style2-Storey
ConstructionBrick
BasementExposed Rock, Unfinished
Lot Size51.82 × 83.59 Feet
CountyWellington
Annual Tax$5,227
Rental ItemsWater Softener (Reliance)
Legal DescriptionPT Lots 326 & 327, Plan 8 , AS IN ROS515238; S/T ROS238796; T/W ROS515238, IF ANY ; GUELPH

Parking & Garage

Parking Total4.0
Parking Space4
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Storage
  • Water Heater Owned

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Guelph Home Buyer Advisory & Market HubActive MLS® Listing in Guelph, Ontario

Looking to Buy a Home in Guelph?

If you are looking for a house in Guelph or researching Guelph real estate for sale, this 4-bedroom duplex at 98 Waterloo Avenue, Guelph, ON offers an exceptional opportunity to buy a home in Guelph, Ontario. Whether you are a first-time Guelph home buyer or comparing active Guelph MLS® homes for sale, working with a dedicated Guelph buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

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Dedicated Guelph Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Guelph realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Guelph Buyer Budget & Costs

Estimated mortgage: $2,813*/month*. Estimated Ontario Land Transfer Tax: $13,375. First-time Guelph home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Guelph

Frequently Asked Questions about 98 Waterloo Avenue, Guelph, ON

Q.What is the asking price for 98 Waterloo Avenue, Guelph, ON ?

The current listing price for 98 Waterloo Avenue, Guelph, ON in Downtown, Guelph is $845,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 3 bathrooms across approximately 2000-2500 sqft.

Q.What property type and architectural style is 98 Waterloo Avenue, Guelph, ON ?

98 Waterloo Avenue, Guelph, ON is a Duplex (2-Storey) featuring a Exposed Rock, Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Storage, Water Heater Owned.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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98 Waterloo Avenue, Guelph, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Downtown, Guelph

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
▼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 98 Waterloo Avenue, Guelph, ON N1H 3H8

Estimated Sales Range
$803,000 - $828,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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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$253,500 (30.0%)
* Minimum Canadian down payment required for this price is $59,500.
Amortization Period30 Years
Estimated Monthly Payment$2,813Based on a loan of $591,500 over 30 years.
Purchase Price$845,000
Loan Amount$591,500
Provincial Land Transfer Tax:$13,375
Total Estimated Closing Taxes:$13,375

About Purchasing a Home in Guelph, ON

For a property listed at $845,000 in Guelph, the legal minimum down payment is $59,500 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 $13,375 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 $13,375.

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Downtown, Guelph 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$938,547

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%

Best Schools in Downtown, Guelph

Elementary Schools

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

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

Downtown, Guelph Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied68%
Rented32%

Need more details or a custom CMA?

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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.

MLS® Active
$845,000

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