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Property Type: Detached HouseOwnership: Freehold
10 PEARL STREET
Brantford, ON N3T3N4
MLS® X13206224
$549,000
4 bed3 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 26.4 x 121.8 FT
- Frontage
- 26.4 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,873
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Upper Level | — |
| Bedroom 2 | Upper Level | — |
| Bedroom 3 | Upper Level | — |
| Bathroom | Upper Level | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bedroom 4 | Basement | — |
| Great room | Basement | — |
| Kitchen | Basement | — |
| Bathroom | Basement | — |
Description
Discover this beautifully cared-for and tastefully upgraded 3-bedroom home located in a desirable area of Brantford. Designed with both comfort and practicality in mind, this property offers an excellent opportunity for families and investors alike, while the basement includes an additional living space ideal for guests or in-laws. Step outside to a beautifully designed backyard with a large patio and stylish yard space perfect for summer gatherings or quiet evenings. Located in a family-friendly neighborhood ,walking distance to YMCA, Via Rail, Bus, Harmony Park, close to schools, parks, walking trails, shopping, Costco and transit. A fantastic opportunity for those entering the housing market or investors seeking a solid addition to their portfolio. (id:63159)
Listing Information
- MLS®
- X13206224
- Data last synced
- October 18, 2026
ROYAL LEPAGE FLOWER CITY REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE FLOWER CITY REALTY
MLS® Number: X13206224
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Brantford average
$403/sqft
388 active listing(s)
Parking: 5 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
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.
Population
104,688
(2021 Census)
+6.2% since 2016
Density: 1,061.2/km²
Dwellings:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.4% ($29,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,200.00
Periodic payment — Principal & Interest (monthly)$2,833.57
Additional monthly expenses (condo fees, tax, utilities, etc.)$239.42
Total monthly cost$3,072.99
Interest paid over 5-yr term$125,875.98
Balance at end of term$395,061.82
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,024.97
Cash Needed at Closing
Minimum down payment$29,900
Estimated Land Transfer Tax (LTT)$7,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,855
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.
