45 Centre ST, Clarington, ON L1C 2Y2
45 Centre ST , Clarington, ON L1C 2Y2
$ 779,900
Bed Rooms
3
Bath Rooms
2
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Virtual Tour
48 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
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Open House
Sat Aug 22, 12:00pm - 2:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1100-1500
Subdivision
Bowmanville
MLS Listing ID
E13572078
Style
Bungalow
Bedrooms
3
Annual Tax Amount
$4,541
Tax Year
2026
Property Sub-Type
Detached
Location
Province
ON
County
Durham
Area
Durham
Rooms
Basement
Finished
Kitchen
1
Interior
Interior Features
Water Heater Owned
Cooling
None
Inclusions
Existing fridge, stove, over the range microwave, dishwasher, washer (2024), dryer, 3 x sheds, floating shelf in second bdrm, fire chimnea in yard, umbrella on east deck, floating shelves in ensuite, freezer in basement, mudroom closet, armoire in each main floor bedroom, cabinet behind toilet in ensuite, workbench in grey shed, workbenches in basement, shelf in foyer, HWT
Exterior
Parking Features
None
Pool
None
Roof Type
Asphalt Shingle
Total Parking Spaces
6
Building
Foundation
Unknown
Others
Virtual Tour
https://drive.google.com/file/d/1Q7bJ10X4RIkqkBObkrIyaujjSpuiy65D/view?usp=drive_link
Lited by Real Broker Ontario Ltd.
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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45 Centre ST

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Navjot Singh
Navjot Singh

REALTOR® | License ID: 5027745

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

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