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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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645 36 Street SW
Spruce Cliff Calgary T3C 1R1

$1,349,000
Residential beds: 4 baths: 5.0 2,144 sq. ft. built: 2024

Plans are subject to change
Photo 1: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 2: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 3: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 4: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 5: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 6: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 7: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 8: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 9: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 10: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 11: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 12: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 13: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 14: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 15: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 16: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 17: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 18: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 19: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 20: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 21: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 22: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 23: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 24: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 25: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 26: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 27: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 28: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 29: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 30: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 31: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 32: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 33: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 34: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 35: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 36: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 37: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 38: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 39: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 40: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 41: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 42: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 43: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 44: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 45: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 46: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Photo 47: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2127542
Bedrooms:
4
Bathrooms:
5
Year Built:
2024
Stunning custom built and luxuriously designed. This detached home (slated for completion mid-December 2024) perfectly combines unsurpassed beauty with functionality with the added benefits of a LEGAL lower suite with its own separate side entrance and a sunny west-facing backyard. 2850+ sq ft of architectural mastery, 4 bedrooms and 4 1/2 baths awaits and since this home is custom built buyers have the privilege of personalizing your new home! The high-end design includes a wide open floor plan with a front flex room, a striking gourmet kitchen and an inviting living room with a gas fireplace flanked by built-ins. Soaring 10’ ceilings, an abundance of natural light and designer finishes come together to create a breathtaking sanctuary. A barn slider to a handy mudroom and a tucked away powder room further add to your comfort and convenience. Designed with privacy in mind the second floor has been masterfully planned with the primary bedroom all the way on the other side of the level from the other bedrooms. The primary bedroom is a luxurious oasis with grand vaulted ceilings, an expansive walk-in closet and a lavish ensuite boasting dual sinks, a deep soaker tub and a separate shower. Both additional bedrooms are almost as lavish with their own custom walk-in closets and 4-piece ensuites. Conveniently a laundry with a sink completes this level. Entirely private from the upper levels the LEGALLY suited lower creates incredible versatility and a beautiful private space for multi-generational living. Gorgeously designed in the same quality finishes as the rest of the home this level impresses with a full kitchen, a large living room, a separate laundry room, a spacious bedroom and an opulent 6-piece bathroom with dual sinks. An aluminum and glass railed rear deck encourages casual barbeques in the sunny west-facing backyard. Plenty of parking and seasonal storage is found in the oversized double detached garage. This phenomenal INNER CITY location has every amenity close by - schools, Edworthy Park, the beautiful 9 hole Shaganappi Valley Golf Course with a a convenient driving range, and the LRT Station are all within walking distance! Please note that measurements were taken from the builder’s plans and photos are from a previous project showing examples of the extraordinary quality finishes and craftsmanship.
Property Type:
Residential
Property Sub Type:
Detached
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
Suite - Legal
Home Style:
2 Storey
Total Living Area:
2,144 sq. ft.
Main Level Finished Area:
1,032 sq. ft.
Upper Level Finished Area:
1,112 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
707 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
3,239 sq. ft.
Lot Frontage:
27'
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:
Two
Total Rooms Above Grade:
6
Year built:
2024 (Age: 0)
Bedrooms:
4 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
1
Bathrooms:
5.0 (Full:4, Half:1)
Plan:
2566GQ
Heating:
Forced Air, Natural Gas
Basement:
Separate/Exterior Entry, Finished, Full, Suite
Foundation:
Poured Concrete
New Constr.:
Yes
Construction Material:
Brick, Stucco
Structure Type:
House
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Hardwood, Tile
Cooling:
None
Fireplaces:
1
Fireplace Details:
Gas, Living Room
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Detached, Oversized
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
In Basement, Multiple Locations, Sink, Upper Level
Spruce Cliff
Bar Fridge, Dishwasher, Double Oven, Dryer, Electric Stove, Garage Control(s), Gas Cooktop, Microwave, Microwave Hood Fan, Range Hood, Refrigerator, See Remarks, Washer, Washer/Dryer, Wine Refrigerator
Second fridge, stove, dishwasher and hood fan in the legal basement suite
None Known
Floor
Type
Size
Other
Main Floor
Living Room
18' × 12'4"
Main Floor
Kitchen With Eating Area
22'8" × 11'8"
Main Floor
Den
17' × 11'8"
Upper Level
Laundry
7'11" × 6'
Upper Level
Bedroom - Primary
15' × 11'4"
Upper Level
Bedroom
11' × 8'9"
Upper Level
Bedroom
11' × 8'9"
Lower Level
Living Room
18'8" × 9'6"
Lower Level
Kitchen
12'8" × 7'6"
Lower Level
Breakfast Nook
9' × 6'
Lower Level
Laundry
6'8" × 5'6"
Lower Level
Bedroom
11'4" × 10'4"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
0' x 0'
Upper Level
Yes
6
0' x 0'
Upper Level
Yes
4
0' x 0'
Upper Level
Yes
4
Lower Level
No
5
0' x 0'
Title to Land:
Fee Simple
Community Features:
Park, Playground, Schools Nearby, Shopping Nearby, Walking/Bike Paths
Interior Features:
Breakfast Bar, Built-in Features, Double Vanity, High Ceilings, Kitchen Island, No Animal Home, No Smoking Home, Open Floorplan, Pantry, See Remarks, Separate Entrance, Soaking Tub, Vaulted Ceiling(s), Walk-In Closet(s)
Exterior Features:
Lighting, Private Yard
Patio And Porch Features:
Deck
Lot Features:
Back Lane, Back Yard, Front Yard, Landscaped, Rectangular Lot
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone W
Zoning:
R-C2
Listed Date:
May 03, 2024
Days on Mkt:
  • Photo 1: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Plans are subject to change
  • Photo 2: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Plans are subject to change
  • Photo 3: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Plans are subject to change
  • Photo 4: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Plans are subject to change
  • Photo 5: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Plans are subject to change
  • Photo 6: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 7: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 8: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 9: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 10: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 11: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 12: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 13: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 14: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 15: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 16: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 17: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photos is of a previous project
  • Photo 18: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Master bath and Steam
  • Photo 19: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Closet customization
  • Photo 20: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Master Closet customization
  • Photo 21: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Sample of Stone Faced Fireplace
  • Photo 22: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    With side detail
  • Photo 23: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Sample of Wet Bar
  • Photo 24: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Sample of Exquisite Tile Work
  • Photo 25: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Tile work Sample
  • Photo 26: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Chic Stand-Alone Tub
  • Photo 27: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Sample of Custom Kitchen
  • Photo 28: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Another sample of Fireplace detail
  • Photo 29: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Amazing Fireplace Detail
  • Photo 30: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Sample of Custom Staircase Railing
  • Photo 31: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Example of Laundry Room
  • Photo 32: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Exposed Aggregate
  • Photo 33: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photo 33 of 47
  • Photo 34: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Photo 34 of 47
  • Photo 35: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Spruce Cliff Community
  • Photo 36: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Spruce Cliff School
  • Photo 37: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Spruce Cliff Community
  • Photo 38: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Spruce Cliff Community view
  • Photo 39: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Westbrook Shopping Centre
  • Photo 40: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Westbrook Shopping Centre
  • Photo 41: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Westbrook Communities Local Area Planning Project
  • Photo 42: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Shaganappi Valley Golf course
  • Photo 43: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Shaganappi Golf Course
  • Photo 44: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Shaganappi Valley Golf course
  • Photo 45: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Shaganappi Valley Golf course
  • Photo 46: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Shaganappi Valley Driving Range
  • Photo 47: 645 36 Street SW in Calgary: Spruce Cliff Detached for sale : MLS®# A2127542
    Westbrook LRT
Listed by RE/MAX iRealty Innovations
Data was last updated November 10, 2024 at 10:05 AM (UTC)
Area Statistics
Listings on market:
31
Avg list price:
$679,900
Min list price:
$294,500
Max list price:
$1,795,000
Avg days on market:
38
Min days on market:
3
Max days on market:
191
Avg price per sq.ft.:
$453.9
These statistics are generated based on the current listing's property type and located in Spruce Cliff. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706