182 Mitchell Street, Ayr, ON N0B 1E0
Listed by Teri Vincent • HOWIE SCHMIDT REALTY INC.
182 Mitchell Street , Ayr, ON N0B 1E0
$ 979,900
Bed Rooms
3
Bath Rooms
3
SqFt
1,535
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Virtual Tour
34 photos
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Year Built
1991
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$638
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,535 sqft
MLS Listing ID
40849411
Style
Bungalow Raised
Bedrooms
3
Full Baths
3
Abv Grd Liv Area
2,141
Annual Tax Amount
$5,382
Lot Size
9,583 Sqft
Acres
0.22
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
16 - N. Dumfries Twp. (W. Of 24 - Rural W.)
Zoning
Z4A
Direction
Northumberland St. Left on Stanley St, Right on Swan, left on Mitchell St. Home is on the left.
Rooms
Basement
Full, Finished
Main Level Bedrooms
3
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s), In-law Capability
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Roof Type
Asphalt Shing,Shingle
Porch
Patio
Lot Frontage
59.06
Lot Depth
152.0
Garage
Yes
Building
Lot Description
Urban, Landscaped, Schools
Faces
Northumberland St. Left on Stanley St, Right on Swan, left on Mitchell St. Home is on the left.
Story
2
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow Raised
Level or Stories
1
Structure Type
Brick
New Construction
No
Schools
Elementary Schools
Cedar Creek, St. Brigid
High Schools
Southwood Secondary, Monsignor Doyle
Others
Senior Community
No
Tax ID
227160129
Ownership
Freehold/None
Virtual Tour
https://vimeopro.com/user49762055/182-mitchell-street-ayr
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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182 Mitchell Street

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