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Property Type: Detached HouseOwnership: Freehold
15 HUMBERSTONE AVENUE
Brantford, ON N3S7A4
MLS® X13814282
$629,000
3 bed2.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 60 FT
- Frontage
- 60 feet
I2-1,OS3,R1B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,407
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Ground level | — |
| Office | Ground level | — |
| Family room | Ground level | — |
| Kitchen | Ground level | — |
| Dining room | Ground level | — |
| Bathroom | Ground level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Partial bathroom | Second level | — |
| Laundry room | Basement | — |
Description
(STEP INSIDE) Pull into the cul-de-sac and the first thing you notice is the land - 5.95 acres inside Brantford's city limits, wrapped around a century home with a huge front porch. Original hardwood & trim run through the main level. This is a property for someone who wants space, character & a real project - families, investors, contractors & renovators will all see the potential here. (MAIN LEVEL) The living room has hardwood flooring & antique woodworking details. The family room is built for the cold months, with a gas fireplace, hardwood floors & a ceiling fan - the kind of room that earns its keep on a winter evening. The kitchen is a real eat-in space, with a ceiling fan, fridge, stove & double sink, plus a walk-out to the backyard for easy summer dinners. The dining room has hardwood flooring & a bay window overlooking the backyard. A 4pc bathroom with sheet vinyl flooring completes the main level. (UPPER LEVEL) The primary bedroom has hardwood flooring, a sink & a walk-in closet. A 1pc powder room sits on this level. Bedroom two has hardwood flooring & cathedral ceilings, giving it an unexpected sense of height. Bedroom three has a walk-in closet & a double mirror closet - plenty of storage for a growing family. (LOWER LEVEL) The basement is large & unfinished, divided into three sections with a sump pump, utility area & laundry area. A separate access to the backyard means it could become its own space down the line - a workshop, storage or a future finished area. (LOCATION) Quiet cul-de-sac setting inside Brantford, close to schools with both the Grand Erie District School Board & Brant Haldimand Norfolk Catholic District School Board serving the city. The Hamilton-Brantford Rail Trail, the Grand River & Mohawk Lake are all close by for walking, cycling & time outdoors. Brantford sits directly on Highway 403, keeping Hamilton & the GTA within easy reach. (id:63159)
Listing Information
- MLS®
- X13814282
- Data last synced
- September 23, 2026
CITYSCAPE REAL ESTATE LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CITYSCAPE REAL ESTATE LTD.
MLS® Number: X13814282
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: 4 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: 6.0% ($37,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$503,200.00
Periodic payment — Principal & Interest (monthly)$3,246.48
Additional monthly expenses (condo fees, tax, utilities, etc.)$533.92
Total monthly cost$3,780.39
Interest paid over 5-yr term$144,218.57
Balance at end of term$452,630.03
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$37,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,583.24
Cash Needed at Closing
Minimum down payment$37,900
Estimated Land Transfer Tax (LTT)$9,055
Legal / closing costs (typical estimate)$1,500
Total cash needed$48,455
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.
