80 Loretta Drive, Virgil, ON L0S 1T0
Listed by Angelika Zammit • Right at Home Realty
80 Loretta Drive , Virgil, ON L0S 1T0
$ 999,000
Bed Rooms
4
Bath Rooms
3
SqFt
1,950
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Request Showing
Virtual Tour
50 photos
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Year Built
2005
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$512
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,950 sqft
MLS Listing ID
40837851
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,731
Annual Tax Amount
$5,026
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Niagara
Area
Niagara-On-The-Lake
Zoning
R1
Direction
Niagara Stone Rd to Line 1 Rd to Casselman Blvd to Loretta
Rooms
Basement
Full, Finished
Bedroom 2
4
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s), Central Vacuum Roughed-in
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Water Heater, Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Pool
In Ground
View Y/N
true
View
Pool
Roof Type
Asphalt Shing
Lot Frontage
37.0
Lot Depth
122.0
Garage
Yes
Building
Lot Description
Urban, Pie Shaped Lot, Airport, Major Highway, Place of Worship, Playground Nearby, Schools
Faces
Niagara Stone Rd to Line 1 Rd to Casselman Blvd to Loretta
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Vinyl Siding
New Construction
No
Schools
Elementary Schools
St. Michaels, Crossroads
High Schools
Laura Secord, Holy Cross
Others
Senior Community
No
Tax ID
463870258
Ownership
Freehold/None
Virtual Tour
https://youtu.be/3qcMKlWK8yU?si=iGfSues-Tv0wo_4M
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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80 Loretta Drive

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