117 Helena Street, Ayton, ON N0G 1C0
Listed by Telma Melo • Royal Lepage Real Estate Associates
117 Helena Street , Ayton, ON N0G 1C0
$ 639,000
Bed Rooms
3
Bath Rooms
2
SqFt
1,745
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Virtual Tour
43 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$366
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,745 sqft
MLS Listing ID
40839515
Bedrooms
3
Full Baths
1
Half Baths
1
Abv Grd Liv Area
1,745
Annual Tax Amount
$2,976
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Grey
Area
West Grey
Zoning
RR
Direction
117 Helena Street
Rooms
Other Rooms
Shed(s)
Basement
Partial, Partially Finished
Main Level Bedrooms
1
Bedroom 2
2
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s), Ceiling Fan(s), Water Treatment
Heating
Forced Air-Propane, Wood
Cooling
None
Fireplaces Number
2
Fireplaces Type
Wood Burning
Fireplace
Yes
Appliance
Water Heater Owned, Water Softener
Laundry
Main Level
Exterior
Exterior Feature
Landscaped
Parking Features
Attached Garage, Gravel
View Y/N
true
View
Meadow, Pasture
Roof Type
Asphalt Shing
Porch
Deck, Patio, Porch
Lot Frontage
82.5
Lot Depth
132.0
Garage
Yes
Building
Lot Description
Rural, Corner Lot, Landscaped, Rec./Community Centre, Schools
Faces
117 Helena Street
Foundation
Stone
Sewer
Septic Tank
Water
Drilled Well
Level or Stories
2
Structure Type
Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
373040225
Ownership
Freehold/None
Virtual Tour
https://tour.homeontour.com/kZKr6nz9N?branded=0
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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117 Helena Street

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Navjot Singh

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