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How Much You Can Afford When Applying For A Mortgage

In Canada, the minimum down payment requirements can impact how much you can afford when applying for a mortgage. These rules dictate that the minimum down payment must be:

  • 5% of the purchase price for homes up to $500,000
  • 10% of the purchase price for any amount between $500,000 and $1 million
  • 20% of the purchase price for homes over $1 million.

For example, if you have saved $15,000 for a down payment, the maximum home price you can afford would be $300,000 ($15,000 divided by 5%). However, if your down payment was $30,000, your maximum affordability would increase to $550,000. You can use our mortgage affordability calculator to run the numbers yourself and determine what price range would be suitable for your budget. However, some lenders may require a higher down payment depending on your credit score, employment history, and other factors. It's important to speak with a mortgage lender (I can help with this)to get a more accurate estimate of your down payment requirements.(Loanscanada.ca)

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2919 12 Avenue NW
St Andrews Heights Calgary T2M 4Z1

$2,799,000
Residential beds: 5 baths: 5.0 3,593 sq. ft. built: 2024

French Contemporary Design
Photo 1: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 2: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 3: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 4: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 5: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 6: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 7: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 8: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 9: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 10: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 11: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 12: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 13: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 14: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 15: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 16: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 17: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 18: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 19: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 20: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 21: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 22: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 23: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 24: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 25: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 26: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 27: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 28: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 29: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 30: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 31: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 32: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 33: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 34: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 35: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 36: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 37: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 38: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 39: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 40: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 41: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 42: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 43: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 44: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 45: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 46: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 47: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 48: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 49: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Photo 50: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2178279
Bedrooms:
5
Bathrooms:
5
Year Built:
2024
Nestled on a tranquil street in the boutique community of St. Andrews Heights, 'The Garland' seamlessly blends French contemporary design with modern sophistication. Imagined and constructed by second-generation family builder Cedar Rock Homes, this timeless masterpiece is perfect for those seeking an elevated lifestyle in a vibrant inner-city neighborhood. Set on an oversized, sun-soaked, south-facing lot and boasting 5,388 square feet of meticulously designed living space, The Garland features a thoughtful layout with a triple-attached garage, large triple-pane windows, double sliding patio doors, and a fully landscaped yard. Its exterior combines brick, stucco, and Smartboard, offering an elegant yet low-maintenance aesthetic. Inside, the home showcases wide-plank oak hardwood flooring and custom millwork throughout. The main floor effortlessly transitions from a welcoming foyer to an elegant dining area and a great room anchored by a cozy gas fireplace. The chef-inspired kitchen, adorned with site-built white oak cabinetry and premium mitred quartz countertops, is equipped with high-end Wolf and Sub-Zero appliances, an oversized island, a butler’s pantry, and a walk-in pantry—perfect for everyday living and entertaining. A private home office with extensive built-ins adds practicality and charm. Upstairs, the primary suite is a haven of luxury, featuring vaulted ceilings, a white oak feature wall, a custom walk-in closet, and an opulent en-suite designed for ultimate relaxation. The second bedroom offers its own walk-in closet and en-suite bath, while the third and fourth bedrooms share a 5-piece bath with dual vanities. A spacious laundry room with a sink, cabinetry, and folding area completes the upper floor. The fully developed basement offers an additional (5th) bedroom, 3-piece bath, recreation room with wet-bar & built-ins, a dedicated media room, and inspiring home gym enclosed by 10-mil glass and a mirrored wall. The triple-attached garage opens into an ultra-functional mudroom complete with lockers and a seasonal closet. An additional parking space at the back adds extra convenience for guests or larger families. Conveniently located steps from the Foothills Medical Centre, Alberta Children’s Hospital, the University of Calgary, and downtown, with quick access to the mountains, The Garland offers both serenity and connectivity. Embrace the community vibe of St. Andrews Heights, featuring parks, playgrounds, walking paths, and Montessori school—making this not just a home, but a solid investment. Home is in 'completion phase' with appliance installation and other 'touch-ups'. Possession available by end of November.
Property Type:
Residential
Property Sub Type:
Detached
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
No
Home Style:
2 Storey
Total Living Area:
3,593 sq. ft.
Main Level Finished Area:
1,794 sq. ft.
Upper Level Finished Area:
1,798 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
1,578 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
6,307 sq. ft.
Lot Frontage:
52'6"
Acres Cleared:
Acres Cultivated:
Acres Irrigated:
Acres Leasehold:
Acres Not Cultivated:
Acres Freehold:
Acres Seeded:
Acres Tame Hay:
Acres Treed:
Acres Waste:
Acres Water Rights:
Front Exposure:
North
Reg. Size:
Reg. Size Includes:
Levels:
Two
Total Rooms Above Grade:
9
Year built:
2024 (Age: 0)
Bedrooms:
5 (Above Grd: 4)
Bedrooms Above Grade:
4
Bedrooms Below Grade:
1
Bathrooms:
5.0 (Full:4, Half:1)
Plan:
7527GN
Heating:
Forced Air
Basement:
Finished, Full
Foundation:
Poured Concrete
New Constr.:
Yes
Construction Material:
Wood Frame
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Ceramic Tile, Hardwood
Cooling:
Rough-In
Fireplaces:
1
Fireplace Details:
Gas, Living Room
Garage:
1
Garage Spaces:
3
Parking:
Alley Access, Driveway, Insulated, Oversized, Triple Garage Attached
Parking Places:
4.0
Parking Total/Covered:
4 / -
Laundry Features:
Laundry Room, Sink, Upper Level
St Andrews Heights
Bar Fridge, Built-In Gas Range, Dishwasher, Dryer, Freezer, Microwave, Oven-Built-In, Range Hood, Refrigerator, Washer
n/a
Restrictive Covenant
Floor
Type
Size
Other
Main Floor
Living Room
23'4" × 19'
Main Floor
Kitchen
21' × 11'8"
Main Floor
Dining Room
17' × 13'5"
Main Floor
Den
14'10" × 11'6"
Main Floor
Pantry
7'10" × 5'4"
Main Floor
Foyer
18'5" × 9'9"
Main Floor
Mud Room
12'10" × 7'2"
2nd Floor
Bedroom - Primary
18'11" × 16'
2nd Floor
Bedroom
14'10" × 11'6"
2nd Floor
Bedroom
13'10" × 12'11"
2nd Floor
Bedroom
13'11" × 10'11"
2nd Floor
Laundry
8'6" × 7'2"
Lower Level
Bedroom
14'3" × 10'2"
Lower Level
Game Room
21'10" × 18'1"
Lower Level
Media Room
21'3" × 15'6"
Lower Level
Exercise Room
15'6" × 12'10"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
2nd Floor
Yes
5
2nd Floor
Yes
4
2nd Floor
No
5
Lower Level
No
3
Title to Land:
Fee Simple
Community Features:
Park, Playground, Schools Nearby, Shopping Nearby, Sidewalks, Street Lights, Tennis Court(s), Walking/Bike Paths
Interior Features:
Bar, Built-in Features, Crown Molding, Double Vanity, French Door, High Ceilings, Kitchen Island, No Animal Home, No Smoking Home, Open Floorplan, Pantry, Quartz Counters
Exterior Features:
Private Yard
Patio And Porch Features:
Deck
Lot Features:
Back Lane, Back Yard, Landscaped, Rectangular Lot
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone CC
Zoning:
R-CG
Listed Date:
Nov 08, 2024
Days on Mkt:
  • Photo 1: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    French Contemporary Design
  • Photo 2: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Fully Landscaped & Fenced
  • Photo 3: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Welcoming Foyer
  • Photo 4: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Signature Front Entry Doorway
  • Photo 5: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Separate Dining Room
  • Photo 6: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Private Office
  • Photo 7: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bright Open Layout
  • Photo 8: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Iconic Fireplace with Sleek Built-Ins
  • Photo 9: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Wide Plank Oak Hardwood Flooring
  • Photo 10: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Grand Centre Island
  • Photo 11: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Site Built White Oak Cabinets
  • Photo 12: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Boutique Lighting
  • Photo 13: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Premium Mitred Quartz Counters
  • Photo 14: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Large Mud Room
  • Photo 15: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Custom Storage Lockers
  • Photo 16: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Seasonal Closet off Mud Room
  • Photo 17: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Fully Equipped Butlers Pantry
  • Photo 18: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Shiplap Detailing & Floating Shelves
  • Photo 19: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Huge Pantry with Built-In Shelving
  • Photo 20: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Elegant Dining Room with Wall Detailing
  • Photo 21: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Cove Ceiling Detail
  • Photo 22: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Private Office with Ample Built-Ins
  • Photo 23: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Wood Stairs with Metal Railings
  • Photo 24: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bright & Open Staircase to Upper Level
  • Photo 25: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Posh Primary Retreat with Vaulted Ceiling & Oak Wall Detail
  • Photo 26: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Elegant Ensuite Bath
  • Photo 27: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Luxurious Stand Alone Tub
  • Photo 28: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Curbless Walk-In Steam Shower
  • Photo 29: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Chic & Smart Walk-In Closet with Ample Built-Ins
  • Photo 30: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bedroom #2 with 4-pce Ensuite Bath & Walk-In Closet
  • Photo 31: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    4-pce Ensuite Bath
  • Photo 32: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bedroom #3 with Grand Windows
  • Photo 33: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    5-pce Bath with Dual Vanities
  • Photo 34: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    SeparateTub Shower
  • Photo 35: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bedroom #4 with Walk-In Closet
  • Photo 36: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Walk-In Closet with Built-Ins
  • Photo 37: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Upper Floor Laundry with Sink & Built-Ins
  • Photo 38: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Wide Open Lower Level
  • Photo 39: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Feature Wet Bar in Rec Room
  • Photo 40: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Grand Rec Room with Fitness Room
  • Photo 41: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Separate Media Room
  • Photo 42: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Bedroom #5
  • Photo 43: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Walk-In Closet
  • Photo 44: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    3-pce Lower Bath
  • Photo 45: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Sunny South Yard with Amazing Deck
  • Photo 46: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Unique Triple Garage with Extra Parking Pad
  • Photo 47: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Sunny South Exposure
  • Photo 48: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Aerial Overhead View
  • Photo 49: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Steps to Foothills Hospital
  • Photo 50: 2919 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2178279
    Close to Downtown
Listed by RE/MAX Real Estate (Central)
Data was last updated November 13, 2024 at 02:05 AM (UTC)
Area Statistics
Listings on market:
4,937
Avg list price:
$589,000
Min list price:
$159,900
Max list price:
$10,000,000
Avg days on market:
35
Min days on market:
1
Max days on market:
473
Avg price per sq.ft.:
$435.58
These statistics are generated based on the current listing's property type and located in Calgary. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706