274 Victoria ST, Kincardine, ON N0G 2T0
274 Victoria ST , Kincardine, ON N0G 2T0
$ 1,495,000
Bed Rooms
4
Bath Rooms
4
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47 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 Under Contract
Purchase Type
For Sale
Approx. Sqft
3000-3500
Subdivision
Kincardine
MLS Listing ID
X13509100
Style
2-Storey
Bedrooms
4
Annual Tax Amount
$13,724
Tax Year
2025
Property Sub-Type
Detached
Location
Province
ON
County
Bruce
Area
Bruce
Zoning
R1 & EP1
Body of Water
Lake Huron
Rooms
Family Room
Yes
Basement
Unfinished
Kitchen
2
Separate Den/Office
1
Interior
Interior Features
ERV/HRV, Generator - Full, Guest Accommodations, Central Vacuum, Sump Pump, Storage, Water Heater Owned, Workbench
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Propane, Electric
Inclusions
fridge x3 , stove x3 , washer x2 , dryer x2 , dishwasher, 2 x microwave, stand-up freezer, back-up generator
Exterior
Exterior Feature
Awnings, Deck, Landscaped, Privacy, Porch Enclosed, Year Round Living
Parking Features
Circular Drive, Private Triple
Pool
None
Waterfront Description
Other
View
Lake, Trees/Woods, Garden, Pond, Water
Roof Type
Metal
Road Frontage
Municipal Road, Year Round Municipal Road
Lot Frontage
132.0
Lot Depth
184.0
Total Parking Spaces
10
Building
Building Age
16-30
Foundation
Poured Concrete
Others
Senior Community
Yes
ParcelsYN
No
Virtual Tour
https://show.tours/v/WzCqNBq?b=0
Listed by Royal LePage Exchange Realty Co.
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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274 Victoria ST

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Navjot Singh
Navjot Singh

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

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