109 Ray Street, Hamilton, ON L8R 2Y1
Listed by Peter R. Hogeterp • RE/MAX Escarpment Realty Inc.
109 Ray Street , Hamilton, ON L8R 2Y1
$ 849,900
Bed Rooms
3
Bath Rooms
4
SqFt
1,570
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Virtual Tour
49 photos
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Year Built
2022
ON MARKET
35
Property Type
Single Family Home
Price per Sqft
$541
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,570 sqft
MLS Listing ID
40861485
Style
Traditional
Bedrooms
3
Full Baths
3
Half Baths
1
Abv Grd Liv Area
1,570
Annual Tax Amount
$7,165
Lot Size
1,742 Sqft
Acres
0.04
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
10 - Hamilton West
Zoning
R1a
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Air Exchanger, Built-In Appliances
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
3
Fireplaces Type
Electric, Gas
Fireplace
Yes
Window Features
Window Coverings
Appliance
Garborator, Water Heater Owned, Dishwasher, Dryer, Hot Water Tank Owned, Microwave, Refrigerator, Washer
Laundry
Lower Level
Exterior
Parking Features
Attached Garage, Concrete
Utilities Available
Cell Service, Electricity Connected, Fibre Optics, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Roof Type
Asphalt Shing
Lot Frontage
29.33
Lot Depth
66.0
Garage
Yes
Building
Lot Description
Urban, Rectangular, Hospital, Place of Worship, Schools, Shopping Nearby
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Stone,Stucco
New Construction
No
Others
Senior Community
No
Tax ID
171460050
Ownership
Freehold/None
Virtual Tour
https://www.myvisuallistings.com/vtnb/365805
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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109 Ray Street

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Navjot Singh

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