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Dial 403.397.3706 for Diane Richardson

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)

Contact Diane Richardson Easily With These Simple Steps:

  1. Contact Form: Use the contact form on my website to send me a direct message. Please include your name, email address, and a message, and I will respond as soon as possible.

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

  3. Email Address: Reach out to me at Diane for any inquiries or to request additional information.

  4. Live Chat: Utilize the live chat feature on my website for real-time communication and immediate answers to your questions.

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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NEXT Open House details
Nov 17, 2024 01:00 PM - 03:00 PM MST

2824 12 Avenue NW
St Andrews Heights Calgary T2N 1K8

$2,100,000
Residential beds: 4 baths: 6.0 3,331 sq. ft. built: 2008

Main Photo: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 1: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 2: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 3: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 4: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 5: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 6: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 7: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 8: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 9: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 10: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 11: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 12: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 13: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 14: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 15: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 16: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 17: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 18: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 19: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 20: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 21: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 22: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 23: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 24: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 25: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 26: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 27: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 28: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 29: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 30: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 31: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 32: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 33: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 34: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 35: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 36: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 37: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 38: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 39: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 40: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 41: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 42: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 43: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 44: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 45: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 46: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 47: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 48: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 49: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Photo 50: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
Open House - Nov 17, 2024
01:00 PM - 03:00 PM MST
NOTES: Open House on Sunday, November 17, 2024 1:00PM - 3:00PM
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2174622
Bedrooms:
4
Bathrooms:
6
Year Built:
2008
OPEN HOUSE SUNDAY, NOVEMBER 17 1-3PM || Classic elegance awaits in St. Andrew's Heights. This exceptional traditional home on a quiet tree lined street boasts over 5000 square feet of finished living space over 3 levels with a timeless appeal and versatile plan. As you enter the formal foyer you will be captivated by the quality and grandeur of this home, anchored by the impressive central curved staircase. Off of the formal entry you will discover a handsome home office/ den with rich wood panelling, built in bookshelves and a gas fireplace. Pass through to the great room with a sophisticated vibe, open to the kitchen and the spacious informal dining area which all look out to the beautiful backyard and large deck, perfect for entertaining. The kitchen features a raised bar, Wolf 6 burner gas range, SubZero fridge, Miele dishwasher, wall oven/ microwave combo and garburator. Tucked behind the kitchen is a practical passageway from the rear entry that is perfect for families with a large mudroom with built-in lockers, powder room, butler's pantry with ample storage, beverage fridge, full size fridge/ freezer combo and loads of cupboard and counter space. Its clever design keeps mess out of sight and everything organized for a great work flow in your home. At the end of this corridor you will discover a stunning formal dining room which is also accessible to the foyer with beautiful windows looking into the front yard and a gas fireplace and beautiful wainscotting detail. The upper level is filled with charming details and character. At the top of the staircase is a cozy library/ workspace perfect for a kids homework area with two built in work stations. The principle suite is a haven of relaxation with a large bedroom area with its own fireplace, his and hers closets and a spa inspired ensuite with separate vanities, air jet tub, enclosed water closet and a huge walk-in steam shower. Down the hall there are two additional bedrooms on this level, each with their own full ensuite bathrooms as well as a large laundry room. The fully developed basement is ideal for entertaining with a stunning bar as its focal point with an impressive wine cellar behind. Its glass wall and door allow you to display your collection while hosting guests. There is a large games area with pool table, while down the hall you will discover a full bathroom, 4th bedroom and a fantastic media room. This home features a Control 4 integrated electronics system, central vacuum, air conditioning for the upper level, in-floor heating in the basement, 2 furnaces and hot water on demand. Outside you will love the mature landscaping and the triple detached garage plus an extra parking space beside. Located within walking distance to the Foothills Medical Centre, off leash dog park and Maria Montessori Education Centre it's easy to appreciate why this is one of NW Calgary's most sought after neighbourhoods.
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:
3,330.57 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
6,006 sq. ft.
Lot Frontage:
50'
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:
South
Reg. Size:
Reg. Size Includes:
Unit Exposure:
South
Levels:
Two
Total Rooms Above Grade:
8
Year built:
2008 (Age: 16)
Bedrooms:
4 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
1
Bathrooms:
6.0 (Full:4, Half:2)
Plan:
7527GN
Heating:
In Floor, Fireplace(s), Forced Air
Basement:
Finished, Full
Foundation:
Poured Concrete
Builder:
City Core Developments
New Constr.:
No
Construction Material:
Stone, Stucco, Wood Frame
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Hardwood, Tile
Cooling:
Central Air
Fireplaces:
5
Fireplace Details:
Gas
Garage:
1
Garage Spaces:
3
Parking:
Triple Garage Detached
Parking Places:
4.0
Parking Total/Covered:
4 / -
Laundry Features:
Laundry Room, Upper Level
St Andrews Heights
Built-In Oven, Dishwasher, Gas Range, Microwave, Refrigerator
Wine Fridge in Butler's pantry, Fridge/Freezer in Butler's pantry, Dishwasher in bar lower level, bar fridge lower level, screen and controllers in media room, Control 4 system
None Known
Floor
Type
Size
Other
Main Floor
Breakfast Nook
15'11" × 13'9"
Main Floor
Foyer
21'4" × 19'6"
Main Floor
Kitchen
18'11" × 17'
Main Floor
Living Room
18'11" × 17'3"
Main Floor
Mud Room
13'1" × 7'9"
Main Floor
Office
15'10" × 14'1"
Main Floor
Pantry
11' × 10'3"
2nd Floor
Bedroom
14'10" × 14'6"
2nd Floor
Bedroom
14'9" × 13'4"
2nd Floor
Laundry
10'4" × 8'5"
2nd Floor
Office
10'3" × 8'7"
2nd Floor
Bedroom - Primary
26' × 17'7"
2nd Floor
Walk-In Closet
14'3" × 8'
Basement
Wine Cellar
13'3" × 9'
Basement
Bedroom
14'6" × 10'5"
Basement
Game Room
22'9" × 16'7"
Basement
Storage
6'4" × 6'1"
Basement
Media Room
19'9" × 18'5"
Basement
Furnace/Utility Room
19'6" × 8'2"
Basement
Game Room
22'4" × 18'6"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
6'2" x 5'6"
Main Floor
No
2
6'9" x 5'5"
2nd Floor
No
4
5'1" x 8'11"
2nd Floor
No
4
9'3" x 8'5"
2nd Floor
Yes
5
17'3" x 16'9"
Basement
Yes
4
7'10" x 14'6"
Title to Land:
Fee Simple
Community Features:
Other, Playground, Schools Nearby, Sidewalks, Tennis Court(s), Walking/Bike Paths
Interior Features:
Bar, Central Vacuum, Granite Counters, High Ceilings, Jetted Tub, Kitchen Island, Open Floorplan, Pantry, Skylight(s), Tankless Hot Water, Vinyl Windows, Walk-In Closet(s), Wet Bar
Exterior Features:
BBQ gas line
Patio And Porch Features:
Deck
Lot Features:
Back Lane, Back Yard, Front Yard, Lawn, Treed
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone CC
Zoning:
R-CG
Listed Date:
Oct 23, 2024
Days on Mkt:
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    Mudroom
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    Butler's Pantry
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    Main powder room
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    Formal Diningroom
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    Main Floor Office
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    Second mainfloor powder room
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    Second floor office
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    Primary suite
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    Primary 5 piece ensuite
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    Primary steam shower
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    Primary walk in closet
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    Second bedroom
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    Second bedroom ensuite
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    Third bedrrom
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    Third bedroom ensuite
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    Lower level
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    Lower level shower
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    Lower level bedroom
  • Photo 50: 2824 12 Avenue NW in Calgary: St Andrews Heights Detached for sale : MLS®# A2174622
    Mediaroom in the lower level

Virtual Tour

Listed by CIR Realty
Data was last updated November 13, 2024 at 04:05 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