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Property Type: Detached HouseOwnership: Freehold
99 MCBAY ROAD
Brant (Brantford Twp), ON N3T5L4
MLS® X12721382
$1,549,000
4 bed2.5 bath20 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 876.9 x 1077.9 Acre
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,622.37
Interior
- Basement
- Full, Walk out
- Heating
- Forced air, Oil, Wood, Other
- Cooling / A/C
- None
- Fireplace
- Yes (1)
- Fireplace type
- Woodstove
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Basement | — |
Description
Rare, private 6.49ac | AG1 estate property on McBay Rd. | Pre-approved severance | Dual Dwelling zoning | Classic 1960s brick home right on the edge of the city. Welcome to an exceptional opportunity min. from Hwy #403 & Ancaster.Property blends unparalleled privacy & convenience of amenities with powerful investment potential. A large, rural estate in a prime estate Residential area. With nearly 1,000 feet of tree lined frontage, surrounded by forest, undulating landscape, mature trees & wind protected pond, this is more than just a piece of land; it is an oasis where you can unwind, enjoy the outdoors & serene lifestyle. Ideal for families seeking a private compound, investors capitalizing on severance & lower taxes or commuters benefiting from easy access. A Charming, 1960s move-in-ready gem. This 4-level back split home combines vintage character w modern comfort. Upgrades incl. new roof / house (shingle), shop/hobby barn (steel) 2016, new drainage 2015, new plastic septic tank & header 2023. Offering 4 bedrooms, 1 baths, deck & hot tub off principal bedroom, central vac, security syst. doorbell cam, fresh water well, cistern, RO & UV water systems, brick wood burning fireplace & high-speed fiber internet; Uniquely positioned for multiple types of buyers, investors or families alike. Develop a Multi-Generational Compound: (zoning permits 2 separate dwellings), which remain completely private of one another on retained parcel. Sever an estate lot for immediate ROI, retaining original home & acreage. Construct your forever dream home, & utilize the original residence for guest house or income property or A1 Agricultural business use. A smart buy in this complex real estate market! (id:63159)
Listing Information
- MLS®
- X12721382
- Data last synced
- September 30, 2026
COMFREE
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: COMFREE
MLS® Number: X12721382
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Ottawa Real Estate Board.
Location Insights
Weather
Nearest station: Brantford
6°C
—
Humidity 98%
Wind N calm km/h
Tonight
6°
Thursday
21°
Thursday night
7°
Friday
13°
Friday night
-1°
Saturday
14°
Source: Environment and Climate Change Canada.
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Mortgage & Ownership Cost Calculator
Minimum required: 20.0% ($309,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,239,200.00
Periodic payment — Principal & Interest (monthly)$7,994.90
Additional monthly expenses (condo fees, tax, utilities, etc.)$468.53
Total monthly cost$8,463.43
Interest paid over 5-yr term$355,158.28
Balance at end of term$1,114,664.41
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$309,800
Stress test qualifying rate8.19%
Payment you must qualify for$9,608.44
Cash Needed at Closing
Minimum down payment$309,800
Estimated Land Transfer Tax (LTT)$27,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$338,755
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
