61 Spring Street, Norwich, ON N0J 1P0
Listed by Chris Colquhoun • EXP REALTY
61 Spring Street , Norwich, ON N0J 1P0
$ 899,999
Bed Rooms
4
Bath Rooms
3
SqFt
2,086
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Virtual Tour
50 photos
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Year Built
1989
ON MARKET
6
Property Type
Single Family Home
Price per Sqft
$431
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,086 sqft
MLS Listing ID
40869926
Style
Log
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,086
Annual Tax Amount
$4,899
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Oxford
Area
Norwich
Zoning
R1
Rooms
Basement
Full, Partially Finished, Sump Pump
Bedroom 2
4
Kitchen
1
Interior
Interior Features
Central Vacuum, Auto Garage Door Remote(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Heater Owned, Dishwasher, Dryer, Gas Oven/Range, Range Hood, Refrigerator, Washer
Exterior
Parking Features
Attached Garage
Waterfront Description
Access to Water,Lake/Pond
Roof Type
Wood
Lot Frontage
44.02
Lot Depth
174.28
Garage
Yes
Building
Lot Description
Urban, Ample Parking, Cul-De-Sac, City Lot, Greenbelt, Landscaped, Place of Worship, Playground Nearby, Schools, Shopping Nearby
Story
3
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Log
Level or Stories
2
Structure Type
Log
New Construction
No
Others
Senior Community
No
Tax ID
000640662
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/61_spring_st_norwich_on/
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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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61 Spring Street

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