49 Heather Lane, Selkirk, ON N0A 1P0
Listed by Darren D. Papineau • Royal LePage NRC Realty Inc.
49 Heather Lane , Selkirk, ON N0A 1P0
$ 198,000
Bed Rooms
2
Bath Rooms
1
SqFt
850
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Request Showing
Virtual Tour
45 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$232
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
850 sqft
MLS Listing ID
40855375
Style
Bungalow
Bedrooms
2
Full Baths
1
HOA Fees
$4,400/ann
HOA Y/N
Yes
Abv Grd Liv Area
850
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Haldimand
Area
Rainham
Zoning
RL
Direction
Lakeshore Rd to Pike Lane to Heather Lane
Rooms
Other Rooms
Gazebo, Shed(s)
Basement
None
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Ceiling Fan(s), Work Bench
Heating
Propane, Unit Heater
Cooling
Wall Unit(s)
Fireplaces Type
Propane
Fireplace
Yes
Window Features
Window Coverings
Appliance
Water Heater Owned, Microwave, Stove
Laundry
None
Exterior
Exterior Feature
Recreational Area, Seasonal Living, TV Tower/Antenna
Parking Features
Detached Garage, Gravel
Utilities Available
Cell Service, Electricity Connected, Garbage/Sanitary Collection, High Speed Internet Avail, Recycling Pickup
Waterfront Description
Lake,Waterfront Community,South,Water Access Deeded,Access to Water,Lake Backlot
View Y/N
true
View
Lake
Roof Type
Asphalt Shing
Porch
Deck
Garage
Yes
Building
Lot Description
Rural, Beach, Campground, Park
Faces
Lakeshore Rd to Pike Lane to Heather Lane
Foundation
Concrete Perimeter, Pillar/Post/Pier
Sewer
Holding Tank
Water
Cistern
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Aluminum Siding
New Construction
No
Others
Senior Community
No
Tax ID
000000001
Ownership
Leasehold/Leased Land
Virtual Tour
https://www.myvisuallistings.com/vtnb/362579
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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49 Heather Lane

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Navjot Singh

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