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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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184 Copperfield Rise SE
Copperfield Calgary T2Z 4V5

$579,000
Residential beds: 3 baths: 3.0 1,098 sq. ft. built: 2005

Beautiful enclosed front yard
Photo 1: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 2: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 3: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 4: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 5: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 6: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 7: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 8: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 9: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 10: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 11: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 12: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 13: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 14: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 15: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 16: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 17: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 18: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 19: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 20: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 21: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 22: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 23: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 24: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 25: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 26: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 27: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 28: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 29: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 30: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 31: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 32: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 33: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 34: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 35: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 36: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 37: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 38: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Photo 39: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2175378
Bedrooms:
3
Bathrooms:
3
Year Built:
2005
Welcome to this charming, well-maintained family home located in the heart of Copperfield! This lovely 3-bedroom, 3-bathroom property offers an ideal mix of comfort and convenience, perfect for growing families or anyone seeking a peaceful, community-oriented neighborhood. Step inside to discover an inviting and thoughtfully designed layout, including a fully developed basement for extra living space, and central air conditioning to keep you cool all summer long. Notable features include a no-fee alarm and camera system, providing peace of mind, and an irrigation system in the enclosed front yard to keep your landscaping looking pristine with ease. The exterior of the home is equally impressive, boasting an oversized detached garage with in-floor heating—perfect for year-round use—and a spacious backyard that serves as a private oasis. Enjoy your time outdoors on the huge patio, complete with a serene water fountain feature, or relax on the composite front porch. Recent upgrades ensure this home is move-in ready, including a new washer, dryer, dishwasher, and microwave which have been replace in the past year. A brand new roof and gutters were installed in 2023. The furnace was replaced roughly four years ago, adding to the home’s efficiency. With so many thoughtful details and recent improvements, this Copperfield gem is ready to welcome its new owners!
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:
1,098.27 sq. ft.
Main Level Finished Area:
568.3 sq. ft.
Upper Level Finished Area:
529.97 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
465.09 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
3,074 sq. ft.
Lot Frontage:
28'¼"
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:
6
Year built:
2005 (Age: 19)
Bedrooms:
3 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
0
Bathrooms:
3.0 (Full:2, Half:1)
Plan:
0414208
Heating:
Central
Basement:
Finished, Full
Foundation:
Poured Concrete
New Constr.:
No
Construction Material:
Vinyl Siding
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
No
Flooring:
Carpet, Linoleum, Vinyl Plank
Cooling:
Central Air
Fireplaces:
1
Fireplace Details:
Gas
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Detached, Garage Door Opener, Heated Garage, Insulated, Off Street, Oversized
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
In Basement
Copperfield
Central Air Conditioner, Dishwasher, Electric Stove, Microwave, Refrigerator, Washer/Dryer
Shed, Patio table and Chairs
Restrictive Covenant
Floor
Type
Size
Other
Main Floor
Living Room
16'9" × 14'9"
Main Floor
Kitchen
13' × 10'6"
Main Floor
Dining Room
8'6" × 4'
Upper Level
Bedroom - Primary
12'8" × 10'6"
Upper Level
Bedroom
9'5" × 8'6"
Upper Level
Bedroom
9'5" × 8'6"
Basement
Living Room
15'10" × 15'
Floor
Ensuite
Pieces
Other
Main Floor
No
2
4' x 4'
Upper Level
No
3
8'5" x 6'
Basement
No
3
6'1" x 7'
Title to Land:
Fee Simple
Community Features:
Park, Playground, Schools Nearby, Shopping Nearby, Sidewalks, Street Lights, Walking/Bike Paths
Interior Features:
Central Vacuum, Kitchen Island, No Animal Home, Walk-In Closet(s)
Exterior Features:
Private Yard
Patio And Porch Features:
Front Porch, Patio
Lot Features:
Back Lane, Back Yard, Front Yard, Landscaped, Rectangular Lot
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone SE
Zoning:
R-1N
Listed Date:
Oct 26, 2024
Days on Mkt:
  • Photo 1: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    Beautiful enclosed front yard
  • Photo 2: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    Beautiful enclosed front yard
  • Photo 3: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    newly updated roof and gutters
  • Photo 4: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large family room
  • Photo 5: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large family room
  • Photo 6: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large family room
  • Photo 7: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious kitchen and dining area
  • Photo 8: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious kitchen and dining area
  • Photo 9: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious kitchen and dining area
  • Photo 10: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    new dishwasher
  • Photo 11: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    new microwave
  • Photo 12: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious kitchen and dining area
  • Photo 13: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious master bedroom
  • Photo 14: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious master bedroom
  • Photo 15: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    spacious master bedroom
  • Photo 16: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    walk-in closet
  • Photo 17: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    upper hallway
  • Photo 18: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    secondary bedroom
  • Photo 19: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    secondary bedroom
  • Photo 20: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    third bedroom
  • Photo 21: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    third bedroom
  • Photo 22: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    third bedroom
  • Photo 23: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    fully developed basement
  • Photo 24: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    basement with large seating area
  • Photo 25: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    basement with large seating area
  • Photo 26: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    3 piece bathroom in the basement
  • Photo 27: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    3 piece bathroom in the basement
  • Photo 28: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    new washer and dryer
  • Photo 29: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large backyard patio with water feature
  • Photo 30: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large backyard patio with water feature
  • Photo 31: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large backyard patio with water feature
  • Photo 32: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    large backyard patio with water feature
  • Photo 33: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    nice backyard garden
  • Photo 34: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    central air conditioning
  • Photo 35: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    heated oversized garage with additonal door opening to the backyard
  • Photo 36: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    oversized garage with heated floors
  • Photo 37: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    oversized garage with heated floors
  • Photo 38: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    oversized garage with heated floors
  • Photo 39: 184 Copperfield Rise SE in Calgary: Copperfield Detached for sale : MLS®# A2175378
    well kept family home
Listed by Comox Realty
Data was last updated November 14, 2024 at 05:30 AM (UTC)
Area Statistics
Listings on market:
39
Avg list price:
$429,900
Min list price:
$259,000
Max list price:
$788,888
Avg days on market:
22
Min days on market:
1
Max days on market:
82
Avg price per sq.ft.:
$398.38
These statistics are generated based on the current listing's property type and located in Copperfield. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706