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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)
Contact Diane Richardson Easily With These Simple Steps:
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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.
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Phone Number: Call me directly at 403.397.3706 with any questions or to schedule viewings.
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Email Address: Reach out to me at Diane for any inquiries or to request additional information.
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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!
Nov 16, 2024
01:30 PM
-
03:30 PM
MST
266 Rocky Ridge Bay NW
Calgary
T3G 4E7
$775,000
Residential
beds: 5
baths: 3.0
2,072 sq. ft.
built: 1997
Open House
-
Nov 16, 2024
01:30 PM
-
03:30 PM
MST
NOTES: Open House on Saturday, November 16, 2024 1:30PM - 3:30PM
- Status:
- Active
- Prop. Type:
- Residential
- MLS® Num:
- A2170619
- Bedrooms:
- 5
- Bathrooms:
- 3
- Year Built:
- 1997
- Photos (31)
- Schedule / Email
- Send listing
- Mortgage calculator
- Print listing
Schedule a viewing:
Cancel any time.
Welcome to 266 Rocky Ridge Bay NW, a remarkable family home nestled in the desirable community of Rocky Ridge, Calgary. This rare 4-bedroom-up layout is ideal for growing families and offers a well-thought-out design. The backyard is a private retreat, beautifully landscaped with mature trees, vibrant gardens, and generous outdoor space. The bright main floor boasts a spacious office, formal dining area, and an open-concept kitchen and living room, perfect for gatherings. Additionally, the main floor features a convenient powder room and laundry area. Upstairs, you’ll find four generously sized bedrooms, including the primary suite with its own en-suite. The fully finished basement offers extra living space and an additional flex room that can serve as a bedroom or office. Located on a quiet cul-de-sac with ample parking, this home is just steps away from parks, walking trails, and top-rated schools. Enjoy quick access to major routes for easy commuting to downtown or the mountains, and take advantage of nearby amenities like the world-class Shane Homes YMCA. This is an exceptional opportunity to own in one of Calgary’s most sought-after neighborhoods—don’t miss your chance!
- Property Type:
- Residential
- Property Sub Type:
- Detached
- Condo Type:
- Not a Condo
- Transaction Type:
- For Sale
- Possession:
- Signup
- Possession Date:
- Signup
- Suite:
- No
- Home Style:
- 2 Storey
- Total Living Area:
- 2,072 sq. ft.
- Main Level Finished Area:
- 1,107 sq. ft.
- Upper Level Finished Area:
- 965 sq. ft.
- Lower Level Finished Area:
- Signup
- Above Grade Finished Area:
- Signup
- Below Grade Finished Area:
- 1,019 sq. ft.
- Taxes:
- Signup
- Tax Assessed Value:
- Signup
- HOA Fee Frequency:
- Annually
- HOA Fee Includes:
- Signup
- Lot Area:
- 4,886 sq. ft.
- Lot Frontage:
- 42'4"
- Acres Cleared:
- Signup
- Acres Cultivated:
- Signup
- Acres Irrigated:
- Signup
- Acres Leasehold:
- Signup
- Acres Not Cultivated:
- Signup
- Acres Freehold:
- Signup
- Acres Seeded:
- Signup
- Acres Tame Hay:
- Signup
- Acres Treed:
- Signup
- Acres Waste:
- Signup
- Acres Water Rights:
- Signup
- Front Exposure:
- South
- Reg. Size:
- Signup
- Reg. Size Includes:
- Signup
- Levels:
- Two
- Total Rooms Above Grade:
- 8
- Year built:
- 1997 (Age: 27)
- Bedrooms:
- 5 (Above Grd: 4)
- Bedrooms Above Grade:
- 4
- Bedrooms Below Grade:
- 1
- Bathrooms:
- 3.0 (Full:2, Half:1)
- Plan:
- 9612321
- Heating:
- Forced Air, Natural Gas
- Basement:
- Finished, Full
- Foundation:
- Poured Concrete
- New Constr.:
- No
- Construction Material:
- Stone, Vinyl Siding, Wood Frame
- Structure Type:
- House
- Roof:
- Asphalt Shingle
- Ensuite:
- Yes
- Flooring:
- Carpet, Ceramic Tile, Hardwood
- Cooling:
- None
- Fireplaces:
- 1
- Fireplace Details:
- Gas, Living Room
- Garage:
- 1
- Garage Spaces:
- 2
- Parking:
- Double Garage Attached
- Parking Places:
- 4.0
- Parking Total/Covered:
- 4 / -
- Laundry Features:
- Main Level
- HOA Fee:
- $250.00
- Rocky Ridge
- None
- Dishwasher, Dryer, Electric Stove, Microwave, Refrigerator, Washer
- Deep Freezer (Garage)
- Restrictive Covenant, Utility Right Of Way
- Floor
- Type
- Size
- Other
- Main Floor
- Dining Room
- 14'11" × 12'2"
- Main Floor
- Kitchen
- 20' × 18'6"
- Main Floor
- Laundry
- 7'2" × 6'4"
- Main Floor
- Living Room
- 16'8" × 14'1"
- Main Floor
- Office
- 11'6" × 9'
- Upper Level
- Bedroom
- 12'11" × 9'2"
- Upper Level
- Bedroom
- 12'1" × 11'7"
- Upper Level
- Bedroom
- 11' × 10'4"
- Upper Level
- Bedroom - Primary
- 19'6" × 12'2"
- Basement
- Bedroom
- 12'7" × 11'8"
- Basement
- Game Room
- 31'10" × 17'11"
- Floor
- Ensuite
- Pieces
- Other
- Main Floor
- No
- 2
- 4'9" x 4'9"
- Upper Level
- No
- 4
- 5' x 8'1"
- Upper Level
- Yes
- 4
- 9'2" x 9'8"
- Title to Land:
- Fee Simple
- Community Features:
- Park, Playground, Schools Nearby, Shopping Nearby, Sidewalks, Street Lights, Walking/Bike Paths
- Interior Features:
- Ceiling Fan(s), No Animal Home, No Smoking Home, Quartz Counters, Soaking Tub
- Exterior Features:
- Private Yard
- Patio And Porch Features:
- Deck
- Lot Features:
- Back Yard, Cul-De-Sac, Lawn, Landscaped, Rectangular Lot
- Num. of Parcels:
- 0
- Fencing:
- Fenced
- Region:
- Calgary
- Zone:
- CAL Zone NW
- Zoning:
- R-CG
- Listed Date:
- Oct 09, 2024
- Days on Mkt:
- Signup
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Photo 1 of 31 -
Photo 2 of 31
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Dinning Room
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Kitchen
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Kitchen
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Photo 6 of 31
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Photo 7 of 31
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Photo 8 of 31
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Living Room
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Office on main
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laundry on main
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Half bath main floor
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Photo 13 of 31
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4 Bed up layout
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Primary Bedroom
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Primary Bedroom
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primary en-suite
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Primary en-suite
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2nd bedroom up
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3rd Bedroom up
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Second Bathroom Up
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4th bedroom up
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Basement rec room
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Basment Rec room
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Basement Bedroom
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Backyard
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Photo 27 of 31
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Photo 28 of 31
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Photo 29 of 31
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Photo 30 of 31
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Rocky Ridge
Virtual Tour
Listed by Real Broker
Data was last updated November 14, 2024 at 05:30 AM (UTC)
Area Statistics
- Listings on market:
- 32
- Avg list price:
- $677,450
- Min list price:
- $264,900
- Max list price:
- $2,249,750
- Avg days on market:
- 37
- Min days on market:
- 1
- Max days on market:
- 152
- Avg price per sq.ft.:
- $432.63
These statistics are generated based on the current listing's property type
and located in
Rocky Ridge. Average values are
derived using median calculations.
- DIANE RICHARDSON
- CIR Realty
- 1 (403) 397 3706
- Diane@mypadCalgary.com
Featured Listing
258 Shawnessy Drive Southwest
$589,900
MLS®#: A2176278
Bedrooms: 3
Bathrooms: 3.0
Floor Area: 1,414 sq. ft.
RE/MAX First