138 St. James Street S, Waterford, ON N0E 1Y0
Listed by Daryl Rainey • Progressive Realty Group Inc.
138 St. James Street S , Waterford, ON N0E 1Y0
$ 949,000
Bed Rooms
4
Bath Rooms
3
SqFt
2,420
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Virtual Tour
50 photos
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Year Built
1895
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$392
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,420 sqft
MLS Listing ID
40856474
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,420
Annual Tax Amount
$6,285
Lot Size
0.410 Acres
Acres
0.41
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Norfolk
Area
Waterford
Zoning
R1-A
Rooms
Other Rooms
Gazebo, Shed(s)
Basement
Separate Entrance, Walk-Up Access, Full, Unfinished
Bedroom 2
4
Kitchen
1
Interior
Interior Features
Central Vacuum, Ceiling Fan(s), In-Law Floorplan, Upgraded Insulation
Heating
Gas Hot Water
Cooling
Ductless
Fireplaces Number
1
Fireplaces Type
Living Room, Gas
Fireplace
Yes
Window Features
Window Coverings
Appliance
Instant Hot Water, Water Heater Owned, Water Softener, Built-in Microwave, Dishwasher, Dryer, Hot Water Tank Owned, Refrigerator, Stove, Washer
Laundry
In Basement, Sink
Exterior
Exterior Feature
Landscaped, Lawn Sprinkler System
Parking Features
Detached Garage, Garage Door Opener, Asphalt
Fence
Fence - Partial
Utilities Available
Cable Available, Electricity Connected, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Roof Type
Asphalt Shing
Porch
Patio, Porch, Enclosed
Lot Frontage
107.0
Lot Depth
169.15
Garage
Yes
Building
Lot Description
Urban, Rectangular, Dog Park, Near Golf Course, Library, Park, Place of Worship, Rec./Community Centre, Schools, Trails
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Level or Stories
2
Structure Type
Brick,Wood Siding
New Construction
No
Others
Senior Community
No
Tax ID
502800174
Ownership
Freehold/None
Virtual Tour
https://youtu.be/nVGqTP-nZxo
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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138 St. James Street S

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