325 Mill Street, Palmerston, ON N0G 2P0
Listed by Adrienne Christine Indovina • eXp Realty (Team Branch)
325 Mill Street , Palmerston, ON N0G 2P0
$ 630,000
Bed Rooms
4
Bath Rooms
2
SqFt
1,163
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Virtual Tour
45 photos
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Year Built
2011
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$541
Car Garage
2.0
Open House
Sun Aug 23, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,163 sqft
MLS Listing ID
40843665
Style
Bungalow Raised
Bedrooms
4
Full Baths
2
Abv Grd Liv Area
1,163
Annual Tax Amount
$3,772
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
Minto
Zoning
R2
Direction
King Street/Mill Street
Rooms
Other Rooms
Shed(s), Storage
Basement
Full, Finished, Sump Pump
Main Level Bedrooms
3
Kitchen
1
Interior
Interior Features
Air Exchanger, Built-In Appliances
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Gas
Fireplace
Yes
Window Features
Window Coverings
Appliance
Water Heater Owned, Water Softener, Dishwasher, Dryer, Freezer, Hot Water Tank Owned, Range Hood, Refrigerator, Stove, Washer
Laundry
Lower Level, Washer Hookup
Exterior
Exterior Feature
Landscaped, Lighting, Year Round Living
Parking Features
Attached Garage, Garage Door Opener, Gravel
Fence
Full
Pool
Above Ground
Utilities Available
Cell Service, Electricity Connected, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Roof Type
Shingle
Lot Frontage
66.0
Lot Depth
132.0
Garage
Yes
Building
Lot Description
Urban, Rectangular, Business Centre, City Lot, Hospital, Landscaped, Library, Open Spaces, Park, Place of Worship, Playground Nearby, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby, Trails, Other
Faces
King Street/Mill Street
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow Raised
Level or Stories
1
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Palmerston Public
High Schools
Norwell District Secondary School
Others
Senior Community
No
Tax ID
710350382
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/325_mill_street_palmerston_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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325 Mill Street

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