90 Mary Street, Niagara-on-the-lake, ON L0S 1J0
Listed by Greg Sykes • RE/MAX Niagara Realty Ltd.
90 Mary Street , Niagara-on-the-lake, ON L0S 1J0
$ 1,095,000
Bed Rooms
6
Bath Rooms
4
SqFt
1,920
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Virtual Tour
50 photos
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Year Built
1973
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$570
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,920 sqft
MLS Listing ID
40856044
Style
Sidesplit
Bedrooms
6
Full Baths
3
Half Baths
1
Abv Grd Liv Area
1,920
Annual Tax Amount
$7,050
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Niagara
Area
Niagara-On-The-Lake
Zoning
R1
Direction
HWY 55 (MISSISSAUGA ST) THAN RIGHT ON MARY
Rooms
Basement
Separate Entrance, Full, Finished
Bedroom 2
2
Kitchen
1
Interior
Interior Features
Bed & Breakfast, In-law Capability
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Type
Gas
Fireplace
Yes
Window Features
Skylight(s)
Appliance
Water Heater, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In Basement
Exterior
Parking Features
Attached Garage, Circular, Inside Entry
Garage Description
2
Fence
Full
Roof Type
Asphalt Shing
Lot Frontage
106.0
Lot Depth
111.8
Garage
Yes
Building
Lot Description
Urban, City Lot, Near Golf Course, Park, School Bus Route, Schools, Shopping Nearby, Other
Faces
HWY 55 (MISSISSAUGA ST) THAN RIGHT ON MARY
Story
4
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal, Unknown
Architectural Style
Sidesplit
Level or Stories
3
Structure Type
Aluminum Siding,Metal/Steel Siding
New Construction
No
Others
Senior Community
No
Tax ID
464000107
Ownership
Freehold/None
Virtual Tour
https://youtube.com/shorts/OkzGRCv9MIg?si=ruo2zkgD2q94u1LLhttps://youtube.com/shorts/OkzGRCv9MIg?si=ruo2zkgD2q94u1LL
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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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90 Mary Street

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Navjot Singh

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

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