31 Silver Birch ST, Kawartha Lakes, ON K0M 1L0
31 Silver Birch ST , Kawartha Lakes, ON K0M 1L0
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Bed Rooms
3
Bath Rooms
3
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11 photos
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Year Built
--
ON MARKET
202
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
1100-1500
Subdivision
Verulam
MLS Listing ID
X12893782
Style
2-Storey
Bedrooms
3
Annual Tax Amount
$3,115
Tax Year
2025
Property Sub-Type
Detached
Location
Province
ON
County
Kawartha Lakes
Area
Kawartha Lakes
Body of Water
Sturgeon Lake
Rooms
Family Room
No
Basement
Finished with Walk-Out
Kitchen
2
Separate Den/Office
1
Interior
Interior Features
ERV/HRV, In-Law Capability, Auto Garage Door Remote, On Demand Water Heater, Water Heater Owned
Cooling
Central Air
Fireplaces Type
Electric
Inclusions
Built-in Microwave, Carbon Monoxide Detector, Dishwasher, Washer/Dryer, Gas Oven Range, Garage Door Opener, Microwave, Range Hood, (2) Refrigerator, Smoke Detector, Stove, Hot Water Tank Owned, Window Coverings, Electric Fireplace
Exterior
Exterior Feature
Controlled Entry, Deck
Parking Features
Private
Pool
None
Roof Type
Flat
Lot Frontage
55.3
Lot Depth
100.0
Total Parking Spaces
16
Building
Building Age
0-5
Foundation
Concrete
Others
Senior Community
Yes
ParcelsYN
No
Listed by RE/MAX IMPERIAL 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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31 Silver Birch ST

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Navjot Singh

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