89 Northumberland Street, Guelph

$999,999
89 Northumberland Street

$999,999

New
29d
Detached2-Storey

89 Northumberland Street, Guelph

Total Monthly Obligation $5,077

Beds
3
Baths
2
Park
3
Sqft
1500-2000
DOM
29d
Score
16
Yield
3.9%
Cash on Cash
-7.9%
Cap Rate
2.9%
5Y IRR
9.3%
10Y IRR
9.7%
Property Type-Detached
MLS® Number-X13823340
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-35 × 104.45 ft
Listed on site-Sep 24, 2026
Style-2-Storey
Building Type-Detached
Taxes-$8,023 (2026)
Parking-4 - Attached
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-Royal LePage Royal City Realty
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Flat, Metal
Foundation-Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Downtown
Title-Residential Freehold

No agent assigned

Located in Guelph's vibrant downtown, 89 Northumberland Street is an exceptional 3-bedroom, 2-bathroom home where thoughtful design meets modern living. From the moment you step inside, the stunning herringbone tile entryway and beautiful staircase set the tone for the stylish interior. The open-concept main floor features wide-plank light flooring, pot lights throughout, and a contemporary kitchen complete with a large island and sink, stainless steel appliances, modern black hardware, and under-cabinet lighting. At the rear of the home, a versatile additional space offers the perfect setting for a home office, reading area, or second living space, with direct access to the spacious, fully fenced backyard. A patio area provides an inviting spot for outdoor lounging and entertaining. Upstairs, three well-appointed bedrooms share an incredible 5-piece bathroom featuring a soaker tub, oversized walk-in shower, and double vanity with ample storage. With parking for four vehicles and an unbeatable downtown location close to shops, restaurants, parks, and everyday amenities, this thoughtfully designed home offers an exceptional opportunity to enjoy modern comfort in the heart of Guelph.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$799,999
Land Transfer Taxes$16,475
Legal Fees (Est.)
$
Total cash required for closing$217,975

Total Monthly Obligation

$5,077/mo
Mortgage $4,034
Monthly Loss $4,016
Principal$1,061
Interest$2,972
Property Tax$669
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.3%14
Cash-on-Cash
-11.8%0
5-Year IRR
6.4%16
10-Year IRR
7.8%
Returns Index
9.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$39,480/yr
NOI
$23,009/yr
Net Cash Flow
-$2,116/mo
Cash Margin
-64.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.484
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo29
Risk Index
17.3/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 89 Northumberland Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.