1079 Bay Street #LOT B, Port Rowan, ON N0E 1M0
Listed by Serryn Stephenson • Coldwell Banker Momentum Realty
1079 Bay Street #LOT B , Port Rowan, ON N0E 1M0
$ 599,900
Bed Rooms
2
Bath Rooms
2
SqFt
1,190
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Year Built
--
ON MARKET
240
Property Type
Single Family Home
Price per Sqft
$504
Car Garage
1.0
Property Details
Key Details
Sub Type
Single Family Residence
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,190 sqft
MLS Listing ID
40804496
Style
Bungalow
Bedrooms
2
Full Baths
2
Abv Grd Liv Area
1,190
Property Sub-Type
Single Family Residence
Source
Brantford
Location
Province
ON
County
Norfolk
Area
Port Rowan
Zoning
R1
Direction
Lakeshore Road - Bay Street; Wolven Street to Bay Street
Rooms
Other Rooms
None
Basement
Full, Unfinished
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
None
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Electric, Living Room
Fireplace
Yes
Laundry
Main Level
Exterior
Exterior Feature
Recreational Area, Year Round Living
Parking Features
Attached Garage, Built-In, Inside Entry
Pool
On Ground
Utilities Available
Cable Available, Electricity Connected, High Speed Internet Avail, Natural Gas Connected, Recycling Pickup, Street Lights, Phone Available
Waterfront Description
Lake,Waterfront Community,Boat Access - Parking Not Deeded,Access to Water
Roof Type
Asphalt Shing
Street Surface
Paved
Porch
Deck, Porch
Lot Frontage
35.26
Lot Depth
153.44
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Beach, Campground, City Lot, Near Golf Course, Greenbelt, Hospital, Library, Marina, Park, Place of Worship, Rec./Community Centre, Schools, Shopping Nearby
Faces
Lakeshore Road - Bay Street; Wolven Street to Bay Street
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Shingle Siding,Stone,Other
New Construction
No
Schools
Elementary Schools
Port Rowan Public School
High Schools
Valley Heights High School
Others
Senior Community
Yes
Tax ID
501200468
Ownership
Freehold/None
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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1079 Bay Street #LOT B

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