174 Wellington Street, Waterford, ON N0E 1Y0
Listed by Vicki Gergely • Century 21 Heritage House Ltd
174 Wellington Street , Waterford, ON N0E 1Y0
$ 525,000
Bed Rooms
3
Bath Rooms
1
SqFt
1,090
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Virtual Tour
43 photos
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Year Built
1870
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$481
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Square Footage
1,090 sqft
MLS Listing ID
40853471
Bedrooms
3
Full Baths
1
Abv Grd Liv Area
1,090
Annual Tax Amount
$3,168
Lot Size
7,405 Sqft
Acres
0.17
Property Sub-Type
Detached
Source
Brantford
Location
Province
ON
County
Norfolk
Area
Waterford
Zoning
R1
Direction
Located on the West side of Wellington St, between Green St and West Church St. You can get there from Washington St, or St James South Street
Rooms
Basement
Partial, Unfinished
Main Level Bedrooms
1
Bedroom 2
2
Kitchen
1
Interior
Interior Features
Ceiling Fan(s), Work Bench
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Main Level
Exterior
Parking Features
Detached Garage, Garage Door Opener
Waterfront Description
River/Stream
Roof Type
Metal
Porch
Patio, Porch
Lot Frontage
50.0
Lot Depth
153.12
Garage
Yes
Building
Lot Description
Urban, Rectangular, Campground, Dog Park, City Lot, Near Golf Course, Library, Park, Place of Worship, Playground Nearby, Schools, Shopping Nearby, Trails
Faces
Located on the West side of Wellington St, between Green St and West Church St. You can get there from Washington St, or St James South Street
Story
1
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Level or Stories
1
Structure Type
Vinyl Siding
New Construction
No
Schools
Elementary Schools
Waterford Public School / St Bernard'S Of Clairvaux
High Schools
Waterford District High School / Holy Trinity
Others
Senior Community
No
Tax ID
502800115
Ownership
Freehold/None
Virtual Tour
https://sites.ground2airmedia.com/videos/019ff0ec-e23d-7030-b398-64d5266f9c85
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.

Nearby Locations

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174 Wellington Street

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