139 Gold Street, Elora, ON N0B 1S0
Listed by Vlad Despotovic • Re/Max Icon Realty
139 Gold Street , Elora, ON N0B 1S0
$ 949,000
Bed Rooms
4
Bath Rooms
3
SqFt
1,210
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Year Built
2005
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$784
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,210 sqft
MLS Listing ID
40814158
Style
Bungalow Raised
Bedrooms
4
Full Baths
3
Abv Grd Liv Area
2,010
Annual Tax Amount
$4,609
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
Centre Wellington
Zoning
RA
Rooms
Other Rooms
Shed(s)
Basement
Walk-Out Access, Full, Finished
Main Level Bedrooms
3
Kitchen
1
Interior
Interior Features
High Speed Internet, Central Vacuum, Accessory Apartment, In-law Capability, In-Law Floorplan
Heating
Fireplace-Gas, Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Gas
Fireplace
Yes
Appliance
Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In Basement
Exterior
Exterior Feature
Landscaped
Parking Features
Attached Garage, Gravel
Fence
Full
Utilities Available
Cable Connected, Cell Service, Electricity Connected, Natural Gas Connected, Phone Connected
Waterfront Description
River/Stream
Roof Type
Asphalt Shing
Lot Frontage
66.09
Lot Depth
122.47
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Landscaped, Park, Place of Worship, Quiet Area, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Drilled Well
Architectural Style
Bungalow Raised
Level or Stories
1
Structure Type
Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
139353525
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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139 Gold Street

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