74 Miramichi Bay RD, Saugeen Shores, ON N0H 2C6
74 Miramichi Bay RD , Saugeen Shores, ON N0H 2C6
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Bed Rooms
5
Bath Rooms
3
Acres Lot
0.5
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Year Built
--
ON MARKET
212
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
2500-3000
Subdivision
Saugeen Shores
MLS Listing ID
X12862272
Style
Sidesplit 4
Bedrooms
5
Annual Tax Amount
$15,174
Tax Year
2025
Lot Size
0.500 Acres
Property Sub-Type
Detached
Location
Province
ON
County
Bruce
Area
Bruce
Zoning
C4
Body of Water
Lake Huron
Rooms
Family Room
Yes
Basement
Partial Basement
Kitchen
1
Separate Den/Office
2
Interior
Interior Features
Auto Garage Door Remote, Built-In Oven, In-Law Capability, Sewage Pump, Storage, Sump Pump, Upgraded Insulation, Water Heater Owned, Water Softener
Cooling
Central Air
Fireplaces Type
Fireplace Insert, Wood Stove
Inclusions
Refrigerator, stove, oven, dishwasher, ELF, water softener, water heater, sewage pump, sump pump, carbon monoxide and smoke detectors, washer, dryer, wood stove and insert wood fireplace, window coverings, garage door opener.
Exterior
Parking Features
Private Triple
Pool
None
Waterfront Description
Waterfront-Not Deeded
View
Water
Roof Type
Asphalt Rolled,Shingles
Road Frontage
Public Road
Lot Frontage
100.0
Lot Depth
136.42
Total Parking Spaces
8
Building
Foundation
Concrete
Sewer
Municipal Available
Others
Senior Community
Yes
Security Features
Alarm System
ParcelsYN
Yes
Listed by RE/MAX TWIN CITY REALTY 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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74 Miramichi Bay RD

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