NEW CONSTRUCTION HOMES FOR SALE UNDER $300,000 IN CALGARY

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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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  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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120 Creek Gardens Close NW
Silver Creek Airdrie T4B 2R5

$554,900
Residential beds: 3 baths: 3.0 1,117 sq. ft. built: 2000

Main Photo: 120 Creek Gardens Close NW: Airdrie Detached for sale : MLS®# A2161049
Photo 1: 120 Creek Gardens Close NW: Airdrie Detached for sale : MLS®# A2161049
Photo 2: 120 Creek Gardens Close NW: Airdrie Detached for sale : MLS®# A2161049
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Photo 45: 120 Creek Gardens Close NW: Airdrie Detached for sale : MLS®# A2161049
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2161049
Bedrooms:
3
Bathrooms:
3
Year Built:
2000
Clean, contemporary styling and obvious pride of ownership make this meticulously cared-for Silver Creek of Airdrie home shine. A large entryway welcomes you in, with a big closet to one side and the powder room to the other. The bedroom here makes a fantastic home office, with tons of morning light filtering in through southeast-facing windows. The main living area opens toward the back of the house, with pristine hardwood floors and vaulted ceilings setting a light and airy tone. A gas fireplace centres the living room, where dynamic architecture is sure to spark conversation and built-in speakers allow you to set the mood for your next gathering. Windows stream beautiful natural light into the space, continuing into the dining area. Warm natural wood and earthy shades in the kitchen combine with high ceilings and white appliances to create an inviting aesthetic. Guests will want to pull up a stool at the island while you pull fresh baking out of the oven, and a pantry ensures you have tons of space to stock up on snacks and ingredients. The back door leads to a covered deck where glass panels extend your outdoor dining season. Down the hall, an expansive primary bedroom includes a bay window sitting area. The ensuite offers a large vanity, a tub-shower combo, and also holds the walk-in closet. In the entry to the double-attached garage, you will also find the laundry room. The garage itself has plenty of built-in and overhead storage as well as in-floor heating for the handyman who wants to tinker all year round. Downstairs also has in-floor heating as well as 9.5 foot ceilings. The oversized family room provides space for your home theatre as well as a games area, shutters on the windows ensure there’s no glare while you enjoy your show. There is a third bedroom and bathroom on this level, as well as a flex area that could be great for hobbies or your gym equipment. Functional upgrades include a newer high efficiency furnace, A/C, and an on-demand water heater. Outside, the deck steps down to a stunningly landscaped oasis, where a turf lawn requires no maintenance and always looks freshly mowed. Curated garden beds edge the oversize pie lot with a mix of fruit and ornamental trees and shrubs that provide dappled shade, and west exposure means you get to enjoy gorgeous sunsets every night. There is additional storage under the deck and a patio wraps at multiple locations around the house. Alley access is ideal to pull up the RV and get ready for camping. Set just one block from the Williamstown Nose Creek Preserve, this community embraces nature and outdoor activities, with green space all around. You can even walk through the natural area to get to the school, great for getting the kids or grandkids some fresh air after class. Nearby, Silver Creek Crossing & Dickson Crossing offer a selection of shops, and within minutes you can access a whole host of shopping, dining, & service options in the Gateway district. Call today!
Property Type:
Residential
Property Sub Type:
Detached
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
No
Home Style:
Bungalow
Total Living Area:
1,117 sq. ft.
Main Level Finished Area:
1,117 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
750 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
4,180 sq. ft.
Lot Frontage:
20'8"
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:
East
Reg. Size:
Reg. Size Includes:
Levels:
One
Total Rooms Above Grade:
5
Year built:
2000 (Age: 24)
Bedrooms:
3 (Above Grd: 2)
Bedrooms Above Grade:
2
Bedrooms Below Grade:
1
Bathrooms:
3.0 (Full:2, Half:1)
Plan:
9912301
Heating:
Forced Air
Basement:
Finished, Full
Foundation:
Poured Concrete
New Constr.:
No
Construction Material:
Wood Frame
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Hardwood, Tile
Cooling:
Central Air
Fireplaces:
1
Fireplace Details:
Gas
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Attached, Garage Door Opener
Parking Places:
4.0
Parking Total/Covered:
4 / -
Laundry Features:
Main Level
Silver Creek
Central Air Conditioner, Dishwasher, Electric Stove, Garage Control(s), Range Hood, Tankless Water Heater, Washer/Dryer, Water Softener, Window Coverings
freezer in basement, treadmill/cross bow exercise equipment in basement, tall white cabinet in basement, patio heater on deck, attached & free standing shelves in garage,
Restrictive Covenant, Utility Right Of Way
Floor
Type
Size
Other
Main Floor
Living Room
15'11" × 9'6"
Main Floor
Kitchen
12'4" × 9'2"
Main Floor
Dining Room
8'1" × 6'10"
Main Floor
Bedroom - Primary
15'11" × 10'11"
Main Floor
Bedroom
9'11" × 8'11"
Main Floor
Laundry
5'2" × 2'11"
Basement
Family Room
15'10" × 15'8"
Basement
Bedroom
12'3" × 7'5"
Basement
Furnace/Utility Room
12'10" × 7'5"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
4'11" x 5'6"
Main Floor
Yes
4
7'4" x 8'4"
Basement
No
3
5'10" x 7'9"
Title to Land:
Fee Simple
Community Features:
Playground, Schools Nearby, Shopping Nearby, Sidewalks, Walking/Bike Paths
Interior Features:
Breakfast Bar, Central Vacuum, High Ceilings, Kitchen Island, Tankless Hot Water, Vaulted Ceiling(s)
Exterior Features:
Private Yard
Patio And Porch Features:
Deck
Lot Features:
Back Lane, Back Yard, Low Maintenance Landscape, Pie Shaped Lot, Secluded, Treed
Num. of Parcels:
0
Fencing:
Fenced
Region:
Airdrie
Zoning:
R1
Listed Date:
Aug 30, 2024
Days on Mkt:
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Listed by RE/MAX House of Real Estate
Data was last updated September 20, 2024 at 06:05 PM (UTC)
Area Statistics
Listings on market:
351
Avg list price:
$599,900
Min list price:
$244,000
Max list price:
$3,299,000
Avg days on market:
24
Min days on market:
1
Max days on market:
333
Avg price per sq.ft.:
$365.85
These statistics are generated based on the current listing's property type and located in Airdrie. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706