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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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  2. Phone Number: Call me directly at 403.397.3706 with any questions or to schedule viewings.

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When contacting me, please ensure to include the property address or MLS® number for the listing you are interested in. I look forward to hearing from you!

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25 Stillwater Bay
Artesia at Heritage Pointes Heritage Pointe T1S 4K5

$2,189,000
Residential beds: 7 baths: 8.0 4,659 sq. ft. built: 2023

Main Photo: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 1: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 2: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 3: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 4: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 5: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 6: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 7: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 8: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 9: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 10: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 11: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 12: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 13: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 14: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 15: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 16: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 17: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 18: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 19: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 20: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 21: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 22: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 23: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 24: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 25: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 26: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 27: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 28: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 29: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 30: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 31: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 32: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 33: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 34: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 35: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 36: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 37: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 38: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 39: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 40: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 41: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 42: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 43: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 44: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 45: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Photo 46: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2152471
Bedrooms:
7
Bathrooms:
8
Year Built:
2023
***Watch the 3D and Video Virtual Tour***. If you're looking for an estate home that meets all your needs, your search ends here. This gorgeous property, backing onto a pond, offers a main-floor bedroom with an ensuite, an ELEVATOR for easy access to all floors, a FULLY FINISHED WALKOUT BASEMENT, and a FOUR CAR ATTACHED GARAGE. This beautiful house provides around 6800 sq. ft. of total living space. The main floor boasts soaring ceilings ranging from 10 to 12 feet, creating a spacious and inviting atmosphere. The fantastic kitchen features high-end appliances, including a Wolf gas range, a Sub-Zero custom refrigerator, a Vent-a-Hood chimney hood fan, and a built-in Miele coffee machine. A grand formal dining room, connected to the kitchen via a butler’s pantry, can accommodate any size gathering. The large great room, with a gas fireplace, overlooks the pond and connects to a spacious BALCONY – perfect for relaxing and soaking in the views. Upstairs, you will find four generously sized bedrooms, each with an attached bathroom. The primary bedroom is humongous, overlooking the pond, and offers a spa-like ensuite and a private balcony for morning coffee. The walkout basement provides a huge recreational space with views of the pond, along with two good-sized bedrooms and a spacious recreational room. Artesia in Heritage Pointe provides quick access to Calgary and all essential amenities, including shopping, dining, South Health Campus, and recreational facilities. Residents enjoy various community amenities right at their doorstep, such as a playground, tennis court, picnic area, and walking/biking paths. Plus, there's a quick escape to the Rocky Mountains via nearby Stony Trail. It's impossible to describe this beautiful home in words. Call your favourite real estate agent to book a private viewing and appreciate this property's features.
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:
4,659 sq. ft.
Main Level Finished Area:
2,177 sq. ft.
Upper Level Finished Area:
2,482 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
2,103 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Frequency:
Annually
HOA Fee Includes:
Lot Area:
9,483 sq. ft.
Lot Frontage:
67'10"
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:
West
Reg. Size:
Reg. Size Includes:
Levels:
Two
Total Rooms Above Grade:
9
Year built:
2023 (Age: 1)
Bedrooms:
7 (Above Grd: 5)
Bedrooms Above Grade:
5
Bedrooms Below Grade:
2
Bathrooms:
8.0 (Full:6, Half:2)
Plan:
1812124
Heating:
Forced Air, Natural Gas
Basement:
Finished, Full, Walk-Out To Grade
Foundation:
Poured Concrete
New Constr.:
Yes
Construction Material:
Stone, Stucco, Wood Frame
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Ceramic Tile, Hardwood
Cooling:
Central Air
Fireplaces:
1
Fireplace Details:
Gas
Water Supply:
Other
Sewer:
Unknown
Garage:
1
Garage Spaces:
4
Parking:
Double Garage Attached, Quad or More Attached, Single Garage Attached, Triple Garage Attached
Parking Places:
9.0
Parking Total/Covered:
9 / -
Laundry Features:
Upper Level
HOA Fee:
$250.00
Artesia at Heritage Pointes
Other
Bar Fridge, Dishwasher, Dryer, Gas Range, Microwave, Oven, Range Hood, Refrigerator, Tankless Water Heater, Washer, Central Air Conditioner
Miele Coffee Machine
None Known
Floor
Type
Size
Other
Main Floor
Bedroom
13'8" × 10'8"
Main Floor
Breakfast Nook
15'11" × 13'3"
Main Floor
Foyer
19'6" × 7'5"
Main Floor
Kitchen
18' × 14'3"
Main Floor
Living Room
19'1" × 18'
Upper Level
Bedroom
16'5" × 13'
Upper Level
Bedroom
16'5" × 13'1"
Upper Level
Bedroom
15'5" × 12'11"
Upper Level
Laundry
12'2" × 6'
Upper Level
Office
11'4" × 10'
Upper Level
Bedroom - Primary
25'10" × 18'2"
Upper Level
Walk-In Closet
11'9" × 8'8"
Upper Level
Walk-In Closet
9'5" × 4'11"
Basement
Bedroom
14'1" × 12'7"
Basement
Game Room
32' × 21'2"
Basement
Storage
28'3" × 25'4"
Basement
Furnace/Utility Room
13'9" × 12'6"
Basement
Bedroom
16'7" × 14'3"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
6'1" x 5'11"
Main Floor
No
2
7'8" x 3'1"
Main Floor
Yes
4
5' x 8'1"
Upper Level
Yes
4
9'3" x 4'10"
Upper Level
Yes
4
8'7" x 4'11"
Upper Level
Yes
4
13'10" x 9'6"
Upper Level
Yes
5
14'3" x 13'7"
Basement
No
4
5'2" x 9'2"
Title to Land:
Fee Simple
Community Features:
Golf, Park, Playground, Street Lights
Interior Features:
Elevator, High Ceilings, No Animal Home, No Smoking Home, Open Floorplan, Pantry, Quartz Counters, See Remarks, Separate Entrance, Vinyl Windows
Exterior Features:
Balcony
Patio And Porch Features:
Balcony(s), Rear Porch
Lot Features:
Cul-De-Sac, No Neighbours Behind, Views
Num. of Parcels:
0
Fencing:
Partial
Nearest Town:
Heritage Pointe
Region:
Foothills County
Zoning:
RC
Listed Date:
Aug 03, 2024
Days on Mkt:
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    Main Floor Bedroom...
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    Main floor Bedroom ensuite...
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    Views of Pond from the Balcony...
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    High Ceilings...
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    Primary Bedroom...
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    5 Pc Ensuite...
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    One of the four bedroom upstairs...
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    One of the four bedroom upstairs...
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    One of the four bedroom upstairs...
  • Photo 25: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
    Upper Floor Laundry Room...
  • Photo 26: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
    Walkout Basement...
  • Photo 27: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
    One of the two bedrooms in the basement...
  • Photo 28: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
    Full Bathroom in the basement....
  • Photo 29: 25 Stillwater Bay: Heritage Pointe Detached for sale : MLS®# A2152471
    One of the two bedrooms in the basement...
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Virtual Tour

3D Tour

Additional Images

Virtual Tour

Listed by RE/MAX Real Estate (Mountain View)
Data was last updated November 14, 2024 at 05:30 AM (UTC)
Diane Richardson
Cell: 403-397-3706