186 Echo Bay RD, Drummond/north Elmsley, ON K7H 0H9
186 Echo Bay RD , Drummond/north Elmsley, ON K7H 0H9
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Bed Rooms
4
Bath Rooms
2
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Virtual Tour
50 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1500-2000
Subdivision
903 - Drummond/North Elmsley (North Elmsley) Twp
MLS Listing ID
X13492452
Style
2-Storey
Bedrooms
4
Annual Tax Amount
$3,891
Tax Year
2026
Property Sub-Type
Detached
Location
Province
ON
County
Lanark
Area
Lanark
Body of Water
Otty Lake
Rooms
Family Room
Yes
Basement
Walk-Out, Separate Entrance, Crawl Space, Full, Exposed Rock
Kitchen
1
Interior
Interior Features
Sewage Pump, Water Treatment
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Propane, Electric
Inclusions
Refrigerator, stove, dishwasher, microwave/hoodfan, washer, dryer, refrigerator & upright freezer in lower level, all window blinds, rods & curtains, dock and ramp to dock,
Exterior
Parking Features
Covered
Pool
None
Waterfront Description
Dock,Winterized
Roof Type
Asphalt Shingle
Road Frontage
Private Road, Private Docking, R.O.W. (Deeded), Year Round Private Road
Lot Frontage
66.24
Lot Depth
105.3
Total Parking Spaces
2
Building
Foundation
Block
Others
Senior Community
No
ParcelsYN
No
Virtual Tour
https://listings.levelupphotography.ca/sites/rqlxxydb/unbranded
Listed by COLDWELL BANKER SETTLEMENT REALTY
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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186 Echo Bay RD

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Navjot Singh

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