244 Hilltop Drive, Ayr, ON N0B 1E0
Listed by Kim Ulmer • RE/MAX SOLID GOLD REALTY (II) LTD.
244 Hilltop Drive , Ayr, ON N0B 1E0
$ 709,500
Bed Rooms
3
Bath Rooms
3
SqFt
1,126
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Virtual Tour
45 photos
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Year Built
2001
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$630
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
1,126 sqft
MLS Listing ID
40828983
Style
Two Story
Bedrooms
3
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,666
Annual Tax Amount
$3,647
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
16 - N. Dumfries Twp. (W. Of 24 - Rural W.)
Zoning
Z5A
Rooms
Other Rooms
Gazebo, Shed(s)
Basement
Full, Finished, Sump Pump
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Central Vacuum, Auto Garage Door Remote(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Water Heater Owned, Water Softener, Dishwasher, Dryer, Hot Water Tank Owned, Microwave, Range Hood, Refrigerator, Stove, Washer
Laundry
Laundry Room, Lower Level
Exterior
Exterior Feature
Canopy, Landscaped, Privacy
Parking Features
Attached Garage, Garage Door Opener
Utilities Available
Cable Available, Cell Service, Electricity Connected, Fibre Optics, Garbage/Sanitary Collection, High Speed Internet Avail, Natural Gas Connected, Recycling Pickup, Street Lights, Phone Available
Waterfront Description
River/Stream
Roof Type
Metal
Porch
Deck, Patio, Porch
Lot Frontage
29.53
Lot Depth
147.64
Garage
Yes
Building
Lot Description
Urban, Rectangular, Ample Parking, City Lot, Greenbelt, Highway Access, Landscaped, Library, Major Highway, Open Spaces, Park, Place of Worship, Quiet Area, School Bus Route, Schools, Shopping Nearby, Trails
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Two Story
Structure Type
Brick,Vinyl Siding
New Construction
Yes
Others
Senior Community
No
Tax ID
227160336
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/244_hilltop_drive_north_dumfries_on/
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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244 Hilltop Drive

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Navjot Singh

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