Payotte AI Passport

Tyler Condon

Real Estate Salesperson · Coldwell Banker Electric Realty · Peterborough

Tyler Condon is a real estate salesperson with Coldwell Banker Electric Realty in Peterborough, Ontario, holding RECO licence no. 5052431 (verifiable on the RECO register), serving Peterborough, Kawartha Lakes, Bridgenorth, Lakefield, Oshawa, Bobcaygeon, Lindsay, Douro and anything within an hour since September 2024.

Call · (705) 872-7355 Send an email Website ↗

Calculate for Peterborough: buy or sell

Buy

Land transfer tax, down payment and mortgage in Peterborough

No reference price published for Peterborough: example at $500,000. Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Ontario land transfer tax$6,475

First-time buyer rebatetick “first-time buyer”

Tax to pay$6,475

Minimum down payment (federal rule)$25,000

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$400,000

Monthly payment, 25 years at 4.58%$2,232

Household income needed (stress test)$100,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Peterborough as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

Land transfer tax$0 — paid by the buyer

Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

A question about these figures or an address? Tyler Condon can answer.

Call · (705) 872-7355 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 5052431 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Coldwell Banker Electric Realty
Office: 215 George Street North, Peterborough, ON K9J 3G7
Areas served: Peterborough, Kawartha Lakes, Bridgenorth, Lakefield, Oshawa, Bobcaygeon, Lindsay, Douro, anything within an hour Declared in writing: “Peterborough, Kawartha Lakes, Bridgenorth, Lakefield, Oshawa, Bobcaygeon, Lakefield, Lindsay, Douro, Anything within an hour radius.”
Services: First time Buyers, growing families, downsizers Declared in writing.
Languages: English Declared in writing.
Practising since: September 2024 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Tyler Condon on October 30, 2026. Page updated on October 30, 2026.

In their own words

Approach and clients helped, in their own words

“I help clients in Peterborough and the Kawartha Lakes find their dream home. Whether you're upsizing, downsizing or looking for something rural, it is my goal to help walk you through the biggest transaction in your life without feeling pressured. With over 10 years in the Heating and Air Conditioning field, I pride myself in knowing a home from the ground up. If you're looking for honest advice, someone you can trust , without the pressure, call me today to discuss how I can help you in the real estate journey.”

Tyler Condon, written answer of October 30, 2026. Published word for word.

Frequently asked questions

Is Tyler Condon's licence valid?

Tyler Condon declares RECO licence no. 5052431, attached to the agency Coldwell Banker Electric Realty. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Tyler Condon serve?

Peterborough, Kawartha Lakes, Bridgenorth, Lakefield, Oshawa, Bobcaygeon, Lindsay, Douro and anything within an hour, according to Tyler Condon's written statement of October 30, 2026. The office is located at 215 George Street North, Peterborough, ON K9J 3G7.

What services does Tyler Condon offer?

First time Buyers, growing families and downsizers, as a real estate salesperson. Language of service: English.

How long has Tyler Condon been practising?

Since September 2024, according to Tyler Condon's written statement.

How can I reach Tyler Condon?

Tyler Condon can be reached by phone at (705) 872-7355 or by email at tcondon@cbelectricrealty.ca. The agency Coldwell Banker Electric Realty answers at (705) 243-9000 ext. 2129. Services are offered in English. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

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