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Property Type: Detached HouseOwnership: Freehold
147 PEARL Street
Brantford, ON N3T3P5
MLS® 40865661
$374,900
2 bed1 bath2 parking790 sqftBuilt 1890
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 0.07 acres
- Frontage
- 52 feet
NLR (F9 A270 C40)
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,201.25
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Workshop | Basement | 28'4'' x 19'10'' |
| Utility room | Basement | 6'3'' x 4'5'' |
| 4pc Bathroom | Main level | 7'0'' x 7'4'' |
| Eat in kitchen | Main level | 12'10'' x 11'7'' |
| Laundry room | Main level | 8'7'' x 7'8'' |
| Bedroom | Main level | 8'1'' x 10'3'' |
| Primary Bedroom | Main level | 8'3'' x 10'3'' |
| Living room | Main level | 13'9'' x 12'5'' |
Description
Welcome to 147 Pearl Street! A charming and lovingly maintained semi-detached home that beautifully blends character with thoughtful updates. Built in 1890, this adorable 2-bedroom, 1-bath home offers warmth, character and plenty of living space. Entry from the fabulous covered front porch into a generous living room featuring beautiful 10-foot ceilings and laminate flooring. The laminate flooring continues throughout both bedrooms, the bathroom and bright eat-in kitchen. The kitchen offers plenty of white cabinetry, recessed lighting and a comfortable space for everyday meals. The main floor also offers the convenience of a dedicated laundry room with enough space for a walk-in pantry, additional storage and closet space. Direct access from the kitchen leads to a large wood deck with gas BBQ hookup, perfect for entertaining or relaxing outdoors. Parking for 2 cars and a fully fenced rear yard add to the appeal. An attached oversized storage shed provides additional space and convenient stair access to the basement, offering additional storage, utility room and a workbench for those little projects. Numerous updates provide peace of mind, including updated sewers and electrical in 2011, doors, soffits and eaves in 2017, and a new roof in 2020. Whether you're a first-time buyer, empty nester or investor, this home presents a wonderful opportunity in a convenient Brantford location, close to schools, public transit, local shops, restaurants and all the amenities you need. Adorable, inviting and full of character, this is one you'll want to see! (id:63161)
Listing Information
- MLS®
- 40865661
- Data last synced
- October 26, 2026
Heritage Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Heritage Realty
MLS® Number: 40865661
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$475/sqft
Building average
—
No other active listings in this building
2042 - North Ward average
$357/sqft
15 active listing(s)
Parking: 2 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: 5.0% ($18,745) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$299,920.00
Periodic payment — Principal & Interest (monthly)$1,934.98
Additional monthly expenses (condo fees, tax, utilities, etc.)$223.44
Total monthly cost$2,158.42
Interest paid over 5-yr term$85,957.93
Balance at end of term$269,779.01
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$18,745
Stress test qualifying rate8.19%
Payment you must qualify for$2,761.53
Cash Needed at Closing
Minimum down payment$18,745
Estimated Land Transfer Tax (LTT)$4,099
Legal / closing costs (typical estimate)$1,500
Total cash needed$24,344
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.
