12 St Andrew Street #105, Port Dover, ON N0A 1N1
Listed by Penny Shurr • RE/MAX ERIE SHORES REALTY INC. BROKERAGE
12 St Andrew Street #105 , Port Dover, ON N0A 1N1
$ 499,900
Bed Rooms
2
Bath Rooms
2
SqFt
1,015
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Year Built
2004
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
$492
Car Garage
--
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,015 sqft
MLS Listing ID
40781171
Bedrooms
2
Full Baths
2
HOA Fees
$603/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,015
Annual Tax Amount
$3,195
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Port Dover
Zoning
R5
Direction
Hwy 6 South (Main St) Left on St Andrew. #12 on right.
Rooms
Other Rooms
None
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
High Speed Internet, Elevator
Heating
Fireplace-Gas, Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Family Room
Fireplace
Yes
Appliance
Dishwasher, Refrigerator, Stove
Laundry
In-Suite
Exterior
Exterior Feature
Balcony
Parking Features
Asphalt, Exclusive, Assigned
Utilities Available
Electricity Connected, Fibre Optics, Garbage/Sanitary Collection
Waterfront Description
Lake/Pond
Roof Type
Flat
Porch
Open
Garage
No
Building
Lot Description
Urban, Beach, City Lot
Faces
Hwy 6 South (Main St) Left on St Andrew. #12 on right.
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Level or Stories
1
Structure Type
Stucco
New Construction
No
Schools
Elementary Schools
St Cecilia, Lakewood
High Schools
Holy Trinity, Simcoe Composite
Others
HOA Fee Include
Association Fee,Insurance,Building Maintenance,Common Elements,Decks,Doors ,Maintenance Grounds,Parking,Property Management Fees,Roof,Snow Removal,Water,Windows
Senior Community
No
Tax ID
508170005
Ownership
Condominium
Copyright 2026 Information Technology Systems Ontario, Inc.
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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12 St Andrew Street #105

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