63 SPENCER ST, Bracebridge, ON P1L 1E2
63 SPENCER ST , Bracebridge, ON P1L 1E2
$ 699,900
Bed Rooms
3
Bath Rooms
3
SqFt
2,680
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Virtual Tour
1 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$261
Car Garage
--
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
2,680 sqft
Subdivision
Monck (Bracebridge)
MLS Listing ID
X10439996
Style
Bungalow
Bedrooms
3
Annual Tax Amount
$3,800
Tax Year
2023
Property Sub-Type
Detached
Location
Province
ON
County
Muskoka
Area
Muskoka
Zoning
R1
Rooms
Basement
Walk-Up, Separate Entrance
Kitchen
2
Separate Den/Office
2
Interior
Interior Features
Upgraded Insulation
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Electric
Inclusions
Main Floor Family Rm - Piano & Bench; BR #3 - Wood Armoire; Lower Level Rec Rm - Electric Fireplace; Kitchen - Built-in Microwave, Dishwasher, Refrigerator, Stove; Laundry Rm - Stacking Washer & Dryer; Outside - Yellow & Grey Storage Shelters, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer, Window Coverings
Laundry
Laundry Room
Exterior
Exterior Feature
Deck, Private Entrance
Parking Features
Private Double, Other
Pool
None
View
Trees/Woods
Roof Type
Asphalt Shingle
Lot Frontage
66.0
Lot Depth
165.0
Exposure
West
Total Parking Spaces
6
Building
Foundation
Concrete Block
New Construction
false
Others
Senior Community
No
ParcelsYN
No
Virtual Tour
https://unbranded.youriguide.com/63_spencer_st_bracebridge_on/
Listed by Chestnut Park Real Estate Ltd., Brokerage, Port Carling
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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63 SPENCER ST

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Navjot Singh
Navjot Singh

REALTOR® | License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

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