4595 Kelvin Road, Scotland, ON N0E 1R0
Listed by Adam Degroote • Re/Max Twin City Realty Inc
4595 Kelvin Road , Scotland, ON N0E 1R0
$ 799,000
Bed Rooms
4
Bath Rooms
2
SqFt
1,404
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21 photos
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Year Built
1977
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$569
Car Garage
20.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Square Footage
1,404 sqft
MLS Listing ID
40821033
Style
Bungalow
Bedrooms
4
Full Baths
2
Abv Grd Liv Area
2,404
Annual Tax Amount
$4,815
Lot Size
0.490 Acres
Acres
0.49
Property Sub-Type
Detached
Source
Brantford
Location
Province
ON
County
Norfolk
Area
Windham
Zoning
A-RH
Direction
Head south out of Scotland on Brantford Road, head west on Burford-Delhi Townline until you reach the Hamlet of Kelvin. Turn left (south) at the stop sign and watch for the sign on your right hand side. Last house before leaving the hamlet.
Rooms
Other Rooms
Workshop
Basement
Full, Finished
Main Level Bedrooms
2
Kitchen
1
Interior
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Heater Owned, Dryer, Gas Stove, Refrigerator, Washer
Laundry
Main Level
Exterior
Parking Features
Detached Garage
Roof Type
Asphalt Shing
Porch
Deck
Lot Frontage
108.0
Lot Depth
198.0
Garage
Yes
Building
Lot Description
Rural, Quiet Area, School Bus Route
Faces
Head south out of Scotland on Brantford Road, head west on Burford-Delhi Townline until you reach the Hamlet of Kelvin. Turn left (south) at the stop sign and watch for the sign on your right hand side. Last house before leaving the hamlet.
Foundation
Poured Concrete
Sewer
Septic Tank
Water
Sandpoint Well
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick Veneer
New Construction
No
Others
Senior Community
No
Tax ID
501760154
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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4595 Kelvin Road

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