178 Kovac Road, Cambridge, ON N1R 8K3
Listed by Lloyd Serrano • RE/MAX PROFESSIONALS INC
178 Kovac Road , Cambridge, ON N1R 8K3
$ 829,000
Bed Rooms
4
Bath Rooms
3
SqFt
1,462
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Year Built
1997
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$567
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,462 sqft
MLS Listing ID
40841803
Style
Traditional
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,462
Annual Tax Amount
$4,415
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
13 - Galt North
Zoning
R6
Direction
MUNCH AVE/HILLDALE DR
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished, Sump Pump
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Asphalt
Garage Description
1
Fence
Full
Roof Type
Asphalt Shing
Lot Frontage
30.07
Lot Depth
101.71
Garage
Yes
Building
Lot Description
Urban, Rectangular, Park, Public Transit, Quiet Area, Schools
Faces
MUNCH AVE/HILLDALE DR
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
228290067
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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178 Kovac Road

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Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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