139 St. Michaels Street, Delhi, ON N4B 0A3
Listed by Paul Van Londersele • Van Londersele Real Estate Brokerage Ltd.
139 St. Michaels Street , Delhi, ON N4B 0A3
$ 777,700
Bed Rooms
4
Bath Rooms
3
SqFt
1,400
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Virtual Tour
50 photos
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Year Built
2011
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$555
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,400 sqft
MLS Listing ID
40828877
Style
Bungalow
Bedrooms
4
Full Baths
2
Half Baths
1
HOA Fees
$195/mo
HOA Y/N
Yes
Abv Grd Liv Area
2,400
Annual Tax Amount
$6,578
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Delhi
Zoning
787900.
Direction
JAMES STREET TO WILSON AVE TO ST. MICHAELS STREET
Rooms
Basement
Full, Finished
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Built-In Appliances
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Type
Electric
Fireplace
Yes
Laundry
In-Suite
Exterior
Parking Features
Attached Garage, Garage Door Opener, Concrete
Roof Type
Asphalt Shing
Lot Frontage
45.93
Lot Depth
103.35
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Quiet Area, Schools
Faces
JAMES STREET TO WILSON AVE TO ST. MICHAELS STREET
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick,Stone
New Construction
No
Others
HOA Fee Include
Common Elements
Senior Community
No
Tax ID
508240027
Ownership
Condominium
Virtual Tour
https://login.atozmedia.ca/mls/234070226
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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 St. Michaels Street

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Navjot Singh

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