41 Valridge Drive, Ancaster, ON L9G 4Y7
Listed by Mary Hamilton • RE/MAX Escarpment Realty Inc.
41 Valridge Drive , Ancaster, ON L9G 4Y7
$ 589,000
Bed Rooms
2
Bath Rooms
2
SqFt
1,260
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23 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Townhouse
Price per Sqft
$467
Car Garage
--
Open House
Sun Aug 23, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Row/Townhouse
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,260 sqft
MLS Listing ID
40856857
Bedrooms
2
Full Baths
1
Half Baths
1
Abv Grd Liv Area
1,572
Annual Tax Amount
$4,014
Property Sub-Type
Row/Townhouse
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
42 - Ancaster
Zoning
RM5-374
Direction
NEAR MORWICK
Rooms
Basement
Full, Partially Finished
Bedroom 2
2
Kitchen
1
Interior
Interior Features
None
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Asphalt
Roof Type
Asphalt Shing
Lot Frontage
133.1
Lot Depth
19.42
Garage
No
Building
Lot Description
Urban, Greenbelt, Park, Quiet Area, Schools
Faces
NEAR MORWICK
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Aluminum Siding,Brick,Metal/Steel Siding,Stucco,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
174170689
Ownership
Freehold/None
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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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41 Valridge Drive

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