108 St. Michael's Street, Delhi, ON N4B 0A3
Listed by Charlene Gulka • RE/MAX Escarpment Realty Inc.
108 St. Michael's Street , Delhi, ON N4B 0A3
$ 749,900
Bed Rooms
4
Bath Rooms
3
SqFt
1,515
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Year Built
2026
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$494
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,515 sqft
MLS Listing ID
40855139
Style
Bungalow
Bedrooms
4
Full Baths
3
HOA Fees
$195/mo
HOA Y/N
Yes
Abv Grd Liv Area
2,284
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Delhi
Zoning
R1
Direction
Follow Colborne St W, ON-24 S and Brantford Rd/Regional Rd 4 to Fertilizer Rd/Regional Rd 44 in Norfolk Continue on Fertilizer Rd/Regional Rd 44. Take Wilson Ave to St Michael's St
Rooms
Other Rooms
None
Basement
Separate Entrance, Full, Finished, Sump Pump
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Central Vacuum, Auto Garage Door Remote(s), Floor Drains, Water Meter
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Gas
Fireplace
Yes
Appliance
Water Heater, Range Hood
Laundry
Laundry Room, Main Level
Exterior
Exterior Feature
Lawn Sprinkler System
Parking Features
Attached Garage, Garage Door Opener, Concrete
Utilities Available
Cable Available, Cell Service, Electricity Connected, Garbage/Sanitary Collection, High Speed Internet Avail, Natural Gas Connected, Recycling Pickup, Street Lights, Phone Available, Underground Utilities
View Y/N
true
View
Golf Course
Roof Type
Asphalt Shing
Porch
Deck, Porch
Lot Frontage
44.23
Garage
Yes
Building
Lot Description
Urban, Cul-De-Sac, Near Golf Course, Place of Worship, Quiet Area, Schools
Faces
Follow Colborne St W, ON-24 S and Brantford Rd/Regional Rd 4 to Fertilizer Rd/Regional Rd 44 in Norfolk Continue on Fertilizer Rd/Regional Rd 44. Take Wilson Ave to St Michael's St
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick Veneer,Stone,Stucco
New Construction
Yes
Schools
Elementary Schools
Delhi Public School And Saint Frances Cabrini School
High Schools
Delhi District Secondary School
Others
HOA Fee Include
Common Elements,Maintenance Grounds,Snow Removal
Senior Community
No
Tax ID
508240008
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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108 St. Michael's Street

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