115 Amber Street, Waterford, ON N0E 1Y0
Listed by Sue Descheemaeker • RE/MAX Erie Shores Realty Inc. Brokerage
115 Amber Street , Waterford, ON N0E 1Y0
$ 629,900
Bed Rooms
3
Bath Rooms
3
SqFt
1,785
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Year Built
2024
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$352
Car Garage
2.0
Open House
Sat Aug 22, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Single Family Residence
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,785 sqft
MLS Listing ID
40852628
Bedrooms
3
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,785
Annual Tax Amount
$1
Property Sub-Type
Single Family Residence
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Waterford
Zoning
R1-B
Direction
Old Highway 24 to Gibbons, Left on Amber to 115
Rooms
Basement
Development Potential, Separate Entrance, Walk-Up Access, Full, Unfinished, Sump Pump
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Air Exchanger, Auto Garage Door Remote(s), Central Vacuum Roughed-in, Separate Heating Controls
Heating
Forced Air, Natural Gas, Radiant Floor
Cooling
Central Air
Fireplace
No
Appliance
Instant Hot Water, Water Heater Owned, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Electric Dryer Hookup, In-Suite, Laundry Room, Multiple Locations, Sink, Upper Level, Washer Hookup
Exterior
Exterior Feature
Landscaped, Year Round Living
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Fence
Full
Utilities Available
Cable Available, Cell Service, Electricity Connected, Fibre Optics, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Roof Type
Asphalt Shing
Porch
Porch
Lot Frontage
30.84
Lot Depth
113.92
Garage
Yes
Building
Lot Description
Urban, City Lot, Near Golf Course, Library, Park, Place of Worship, Playground Nearby, School Bus Route, Schools, Shopping Nearby, Trails
Faces
Old Highway 24 to Gibbons, Left on Amber to 115
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Brick,Stone,Vinyl Siding
New Construction
Yes
Others
Senior Community
No
Tax ID
502770572
Ownership
Freehold/None
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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115 Amber Street

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Navjot Singh

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

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