129 Suffolk Street W, Guelph

$949,900
129 Suffolk Street W

$949,900

New
18d
Detached2-Storey

129 Suffolk Street W, Guelph

Total Monthly Obligation $4,782

Beds
4
Baths
2
Park
2
Sqft
2000-2500
DOM
18d
Score
18
Yield
4.8%
Cash on Cash
-3.9%
Cap Rate
3.7%
5Y IRR
12.5%
10Y IRR
12.1%
Property Type-Detached
MLS® Number-X13863444
Beds-4
Bathrooms-2
Size-2000-2500 sqft
Lot Size-51.67 × 102.5 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$6,904 (2026)
Parking-2 - None
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Keller Williams Home Group Realty
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Other, Wood
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-Flexible
Neighbourhood-Downtown
Title-Residential Freehold

No agent assigned

Located in one of the most beloved areas of Guelph, you'll find this stunning example of a historic downtown Guelph home. Built in 1875, 129 Suffolk St W is a late Italianate designed home just a block from Exhibition Park. The property maintains much of it's original charm while updates (including an addition) offer modern living conveniences. Inside the front door you'll immediately notice three things: the beautiful original hardwood floors, the high ceilings and the abundance of natural light due to extra side windows. There is also a formal dining room with built in desk nook and further back is an updated kitchen. If that wasn't enough space, there is an entire room at the back that could provides many options: home office, storage, playroom or pantry. There is a side entrance that provides more storage with direct access to Kirkland St. The main level features an updated 3pc bath and a side entrance to the large treed yard. Upstairs, you'll find four bedrooms including a beautiful south facing primary bedroom. As an added bonus, there is an original servants staircase that connects the 4th bedroom to the main level. The 4pc bathroom upstairs has been updated to meet modern day needs. The basement is large and unfinished and offers ample storage space. Outside, the beautiful backyard features a mature tree canopy and privacy for family gatherings on the deck (2023). There is also a shed (2025) for yard tools and the 2 car driveway which is located on Kirkland St. Other updates include AC 2020, Furnace 2021, Roof 2022, front 2 bdrm windows 2022. Located within walking distance of downtown Guelph, GCVI, Exhibition Park, Sunny Acres Park and so much more!

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$759,920
Land Transfer Taxes$15,473
Legal Fees (Est.)
$
Total cash required for closing$206,953

Total Monthly Obligation

$4,782/mo
Mortgage $3,832
Monthly Loss $3,774
Principal$1,008
Interest$2,823
Property Tax$575
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-8.1%1
5-Year IRR
9.2%30
10-Year IRR
10.0%
Returns Index
16.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$45,300/yr
NOI
$29,366/yr
Net Cash Flow
-$1,384/mo
Cash Margin
-36.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.648
LTV Ratio
80.0%18
Vacancy Buffer
2.0 mo31
Risk Index
19.1/ 100

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

Comparables

Properties near 129 Suffolk Street W

Time

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