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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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9221 Saddlebrook Drive NE
Saddle Ridge Calgary T3J 0B3

$649,900
Residential beds: 4 baths: 4.0 1,505 sq. ft. built: 2006

Welcome to 9221 Saddlebrook DR NE
Photo 1: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 2: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 3: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 4: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 5: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 6: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 7: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 8: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 9: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 10: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 11: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 12: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 13: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 14: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 15: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 16: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 17: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 18: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 19: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 20: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 21: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 22: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 23: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 24: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 25: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 26: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 27: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 28: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 29: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Photo 30: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2163018
Bedrooms:
4
Bathrooms:
4
Year Built:
2006
Welcome home to this FULLY FINISHED 2-storey home with an OVERSIZED 22’ X 22’ DOUBLE DETACHED GARAGE in the heart of the Sadderidge community! As you enter, you will notice the open-concept layout on the main level with NEW VINYL PLANK FLOORINGS, a spacious living room with a half-bathroom and another family room with a cozy GAS FIREPLACE creating an ambiance of warmth and relaxation. The kitchen features BRAND NEW Stainless Steel French Door Refrigerator, Electric Stove, and Dishwasher. The good-sized dining area with a large PANTRY closet completes the main level. Upstairs features 3 bedrooms including a Master Bedroom with an ENSUITE BATHROOM that has a standing shower, a soaker tub, and a walk-in closet. The 2 other bedrooms share another full bathroom. The basement includes a 3rd living room, a kitchen suite (illegal), a laundry area, a spacious bedroom, and a full bathroom. This is great for those with extended family members and/or house guests. The west-facing backyard is fully fenced and is ready for your gardening/landscaping skills. Come and see to appreciate!
Property Type:
Residential
Property Sub Type:
Detached
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
Suite - Illegal
Home Style:
2 Storey
Total Living Area:
1,505 sq. ft.
Main Level Finished Area:
779 sq. ft.
Upper Level Finished Area:
726 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
765 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
3,401 sq. ft.
Lot Frontage:
29'8"
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:
Unit Exposure:
East
Levels:
Two
Total Rooms Above Grade:
7
Year built:
2006 (Age: 18)
Bedrooms:
4 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
1
Bathrooms:
4.0 (Full:3, Half:1)
Plan:
0610548
Heating:
Fireplace(s), Forced Air
Basement:
Finished, Full, Suite
Foundation:
Poured Concrete
New Constr.:
No
Construction Material:
Stone, Vinyl Siding
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Laminate, Linoleum, Vinyl Plank
Cooling:
None
Fireplaces:
1
Fireplace Details:
Family Room, Gas
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Detached
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
Lower Level
Saddle Ridge
Dishwasher, Dryer, Microwave Hood Fan, Range Hood, Washer
2 Refrigerators, 2 Electric Stoves
Restrictive Covenant
Floor
Type
Size
Other
Main Floor
Living Room
12'5" × 11'6"
Main Floor
Family Room
14'11" × 11'11"
Main Floor
Kitchen
9'11" × 9'6"
Main Floor
Dining Room
9'4" × 9'
Upper Level
Bedroom - Primary
12'11" × 12'1"
Upper Level
Bedroom
10'9" × 10'1"
Upper Level
Bedroom
10'5" × 10'2"
Basement
Game Room
14'3" × 13'9"
Basement
Bedroom
11'1" × 11'1"
Basement
Kitchen
12'2" × 5'11"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
4'4" x 6'
Upper Level
No
4
4'11" x 9'9"
Upper Level
Yes
4
7'1" x 8'5"
Basement
No
3
4'6" x 7'4"
Title to Land:
Fee Simple
Community Features:
Park, Playground, Schools Nearby, Shopping Nearby, Street Lights
Interior Features:
Kitchen Island, Laminate Counters, No Animal Home, No Smoking Home, Pantry
Exterior Features:
Private Yard
Patio And Porch Features:
None
Lot Features:
Back Lane, Back Yard, Rectangular Lot
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone NE
Zoning:
R-1N
Listed Date:
Sep 07, 2024
Days on Mkt:
  • Photo 1: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Welcome to 9221 Saddlebrook DR NE
  • Photo 2: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Fenced Backyard with Ample Size Yard
  • Photo 3: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Double Detached Garage, Paved Lane
  • Photo 4: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Front Foyer, Living Room
  • Photo 5: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Living Room
  • Photo 6: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Half Bathroom - Main
  • Photo 7: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Family Room
  • Photo 8: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Family Room - Dining Area
  • Photo 9: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Dining-Kitchen
  • Photo 10: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Brand-new Fridge
  • Photo 11: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Brand new dishwasher & stove
  • Photo 12: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Dining Area
  • Photo 13: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Primary Bedroom
  • Photo 14: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 14 of 30
  • Photo 15: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Master Ensuite Bathroom
  • Photo 16: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 16 of 30
  • Photo 17: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 17 of 30
  • Photo 18: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Bedroom 2
  • Photo 19: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 19 of 30
  • Photo 20: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Bedroom 3
  • Photo 21: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 21 of 30
  • Photo 22: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Upstairs Full Bathroom 2
  • Photo 23: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Basement Rec/Living Room
  • Photo 24: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Basement with an Illegal SuiteThe
  • Photo 25: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Basement Kitchen
  • Photo 26: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Basement Bedroom 4
  • Photo 27: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 27 of 30
  • Photo 28: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Basement 3-pc Bathroom
  • Photo 29: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Laundry
  • Photo 30: 9221 Saddlebrook Drive NE in Calgary: Saddle Ridge Detached for sale : MLS®# A2163018
    Photo 30 of 30
Listed by CIR Realty
Data was last updated September 28, 2024 at 02:05 AM (UTC)
Area Statistics
Listings on market:
109
Avg list price:
$649,900
Min list price:
$249,000
Max list price:
$7,499,000
Avg days on market:
22
Min days on market:
1
Max days on market:
174
Avg price per sq.ft.:
$397.97
These statistics are generated based on the current listing's property type and located in Saddle Ridge. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706