112 Mitchell Street, Ayr, ON N0B 1E0
Listed by Michael Hewitson • Royal LePage Wolle Realty
112 Mitchell Street , Ayr, ON N0B 1E0
$ 1,200,000
Bed Rooms
3
Bath Rooms
3
SqFt
1,848
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Request Showing
Virtual Tour
50 photos
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Year Built
1978
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$649
Car Garage
--
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,848 sqft
MLS Listing ID
40842464
Style
Bungalow
Bedrooms
3
Full Baths
3
Abv Grd Liv Area
2,643
Annual Tax Amount
$6,580
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
16 - N. Dumfries Twp. (W. Of 24 - Rural W.)
Zoning
Z4
Direction
Swan Street to Mitchell Street
Rooms
Other Rooms
Shed(s), Workshop
Basement
Separate Entrance, Walk-Out Access, Full, Finished
Main Level Bedrooms
2
Kitchen
2
Interior
Interior Features
In-Law Floorplan
Heating
Forced Air, Natural Gas, Heat Pump
Cooling
Central Air
Fireplaces Number
1
Fireplace
Yes
Window Features
Window Coverings
Appliance
Water Heater Owned, Water Softener
Laundry
In Basement, In Bathroom, Lower Level, Main Level
Exterior
Exterior Feature
Backs on Greenbelt, Canopy, Landscaped, Privacy
Parking Features
Concrete, Exclusive
Fence
Full
Pool
Other
View Y/N
true
View
Forest, Garden, Park/Greenbelt, Trees/Woods
Roof Type
Asphalt Shing
Street Surface
Paved
Porch
Deck, Patio, Porch
Lot Frontage
70.0
Lot Depth
233.0
Garage
No
Building
Lot Description
Urban, Irregular Lot, Ample Parking, Arts Centre, City Lot, Near Golf Course, Greenbelt, Highway Access, Hospital, Library, Park, Playground Nearby, Public Parking, Public Transit, Quiet Area, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby, Trails
Faces
Swan Street to Mitchell Street
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal, Well
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick Veneer,Vinyl Siding,Other
New Construction
No
Schools
Elementary Schools
Cedar Creek Public School, Or St. Brigid Catholic School
High Schools
Southwood Secondary School Or Glenview Park Secondary School
Others
Senior Community
No
Tax ID
227160072
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/112_mitchell_st_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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112 Mitchell Street

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