5208, 14 Hemlock Crescent SW,
Calgary, Alberta
Perched in Spruce Cliff, this two-bedroom condominium offers over 1,000 square feet of living space within a four-storey building, with one parking stall included. The neighbourhood sits alongside the Elbow River valley, where mature trees frame quiet streets and golf courses anchor the western edge of the community. Schools, parks, and shopping are all nearby—a practical geography for daily routines. The price point positions this home as an accessible entry into a southwest pocket of Calgary that balances proximity to downtown with a more residential rhythm. Whether you're scaling down or stepping into ownership for the first time, the setting here leans into ease and established community fabric.
Inside the home
The Payment Lab
Move the sliders. Compare fixed vs. variable. See exactly what this home costs you each month, with the math we’d use in your pre-approval.
Rates last updated from 26 Canadian lenders.
Can you afford this home?
Four quick questions and we'll run the federal stress test against this specific listing. You'll see if you qualify, your monthly payment, and a personal action plan — no credit pull, no obligation.
If rates move, what wins?
Variable starts $165/mo cheaper than fixed today. But variable rates move with the Bank of Canada — if they rise, your payment rises with them. This chart shows your monthly payment if BoC moves rates up or down during your term. The crossover at +0.75% is where variable becomes more expensive than today's locked fixed.
The Bank of Canada holds rates flat, cuts, or hikes less than +0.8% during your 5-year term. You'd save roughly $165/mo for as long as that holds.
BoC raises rates more than +0.8% and keeps them there. You'd be locked in below the variable rate the rest of the term.
Every down-payment, mapped
| Scenario | Down | Mortgage | Monthly | Income req. | Rate · amort |
|---|---|---|---|---|---|
Min. Down + $17,434 CMHC | $22,940 | $453,294 | $2,444 /mo | $109,000 | 4.24% · 25 yr |
10% + $12,801 CMHC | $45,880 | $425,721 | $2,295 /mo | $104,000 | 4.24% · 25 yr |
15% + $10,919 CMHC | $68,820 | $400,899 | $2,161 /mo | $99,000 | 4.24% · 25 yr |
20% | $91,760 | $367,040 | $2,009 /mo | $93,000 | 4.39% · 25 yr |
Get pre-approved.
A few questions and we'll come back with your actual buying power and the rates you actually qualify for.
Life around 14 Hemlock Crescent SW.
A seven-minute stroll lands you at Lawrey Gardens Park, where the pathways wind beneath mature cottonwoods and benches overlook open green space that catches the afternoon sun. When you need your morning espresso, Dobré Café is just ten minutes on foot—small-batch roasts and the kind of quiet corner tables where you can actually think. Dinner options run from Pizza Bob's thin-crust pies to barBURRITO's quick counter service, both walkable when you don't feel like cooking. It's the sort of neighbourhood where errands happen on foot and you start recognizing faces at the crosswalk.
Coffee
Top 2 within 1.5 km"I recently visited Dobre and it was such a lovely surprise! The space feels warm and inviting, perfect for catching up with friends or…"
"I was so excited to try this place 🥹 since it’s close to where I live, and every other time I stopped by it was closed. Unfortunately,…"
Restaurants
Top 3 within 1.5 km"If you're looking for a really positive and upbeat place to go and be entertained, this is it!!! It's an amazing and unique experience.…"
"Had such a great experience at BarBurrito in Westbrook Mall! The food was so fresh, you can really taste the difference. My burrito was…"
"Great little venue supporting local music! It was packed this Saturday and staff did an amazing job keeping the pizzas and beer flowing…"
Parks & green
Top 3 within 1.5 km"The Spruce Cliff Park is not a sizable public park; nonetheless, it has a well-equipped playground with lots of structures for older (5…"
"I cannot say enough about the wonderful biking and running/walking trails at this park. They go forever and people are very respectful…"
"I love this park but please be aware of some dogs and the owners."
Recreation
Top 3 within 1.5 km"I absolutely love this gym! The environment is very welcoming, and it always feels like a comfortable and positive place to work out.…"
"I came to a Vinyasa Flow class with Ally on a Sunday morning. The sequence of postures was challenging but accessible. The music matched…"
"This is like no other strength training program. I highly recommend adding Torch to anyones routine to maintain and strengthen your…"
Grocery
Top 3 within 1.5 km"I had such a lovely experience with Emmanuela in the flower section! I purchased a simple bundle of tulips and baby’s breath, expecting…"
"Good store it's just that the prices are crazy, 3 things for 20 dollars? That's competitive"
"Clean and has a good selection of Korean, Japanese, and some Filipino non perishable products."
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