Loading…
Property Type: Detached HouseOwnership: Freehold
118 CLARENCE STREET
Brantford, ON N3T2V4
MLS® X13858260
$650,000
3 bed3.5 bath1 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 37 x 72 FT
- Frontage
- 37 feet
RC
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,663.83 (2025)
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
Description
Some homes surprise you. 118 Clarence Street is one of them. Built in 1875, this solid brick home has been thoughtfully reimagined from the inside out - not simply renovated, but given an entirely new chapter. The kind of transformation that took vision, patience and an incredible amount of heart. Spaces opened up and natural light now travels beautifully through an outstanding open-concept main floor. At the heart of it all is a stunning brand-new kitchen, with generous stretches of quartz countertop and plenty of space for the everyday moments that seem to happen around the kitchen. The layout gives you something families are looking for: connection. The kitchen and living spaces flow easily together, while a dedicated formal dining area still gives you somewhere to gather - Sunday dinners, birthdays, holidays and everything in between. A main-floor powder room adds the practicality every busy household appreciates. And behind everything you see is just as much substance. New plumbing, electrical, insulation, drywall, roof, appliances, kitchen, bathrooms and finishes throughout mean so much of the work - and expense - that can come with an older home has already been taken care of. Upstairs, 3 beautifully finished bedrooms and additional bathrooms offer room to begin here and room to grow. And while nearly everything around it has been renewed, glimpses of the home's 150-year history remain, including beautiful stained glass and the unmistakable solidity and character you simply can't recreate in something new. That contrast is what makes it feel so special. Historic, but not dated. Modern, but with soul. For a first-time buyer or young family, there's something pretty wonderful about finding a home where the difficult work has already been done. (id:63159)
Listing Information
- MLS®
- X13858260
- Tax assessment year
- 2025
- Data last synced
- October 5, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13858260
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: 1 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($40,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$520,000.00
Periodic payment — Principal & Interest (monthly)$3,354.86
Additional monthly expenses (condo fees, tax, utilities, etc.)$221.99
Total monthly cost$3,576.85
Interest paid over 5-yr term$149,033.49
Balance at end of term$467,741.68
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$40,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.78
Cash Needed at Closing
Minimum down payment$40,000
Estimated Land Transfer Tax (LTT)$9,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,975
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.
