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Property Type: Detached HouseOwnership: Freehold
189 TERRACE HILL STREET
Brantford, ON N3R1G8
MLS® X13842238
$595,999
3 bed2.5 bath3 parking
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 33 x 104 FT
- Frontage
- 33 feet
NLR
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,595 (2026)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Utility room | Basement | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
Updated, inviting, and full of potential - 189 Terrace Hill Street is the kind of home that feels like a great find the moment you arrive. Set in Brantford's desirable Terrace Hill neighbourhood, this beautifully maintained 3-bedroom, 2-bathroom home combines everyday comfort with thoughtful updates and exciting opportunity for the future. The main level features a spacious dining area, new kitchen, 2-piece bath, and family room. Upstairs offers three bedrooms, including a generous primary with a 4-piece semi ensuite. The full basement is framed with rough-ins for a third bathroom, providing an excellent head start for future finished living space, a home office, recreation area, or potential in-law suite. With its flexible layout and future possibilities, this home is well suited to families, first-time buyers, multigenerational households, or buyers looking to add value over time. Outside, enjoy a fully fenced yard, attached garage, front parking, and composite deck. Pride of ownership is evident, with extensive landscaping and maintenance completed over the past six years, including an inviting front garden that enhances the curb appeal. Conveniently located near the hospital, parks, and public transit. Updates include: Kitchen remodel (2026); main floor vinyl flooring (2026);fridge & dishwasher (2026); newer front windows & front door; updated lighting; garage door opener; composite deck (2023). (id:63161)
Listing Information
- MLS®
- X13842238
- Tax assessment year
- 2026
- Data last synced
- October 28, 2026
RE/MAX ESCARPMENT REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX ESCARPMENT REALTY INC.
MLS® Number: X13842238
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: 3 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
4°C
—
Humidity 98%
Wind SW 3 km/h
Today
20°
Tonight
5°
Friday
13°
Friday night
-1°
Saturday
14°
Saturday night
4°
Source: Environment and Climate Change Canada.
Population
104,688
(2021 Census)
+6.2% since 2016
Density: 1,061.2/km²
Dwellings: 43,269
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,600) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$476,799.00
Periodic payment — Principal & Interest (monthly)$3,076.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$299.58
Total monthly cost$3,375.73
Interest paid over 5-yr term$136,651.96
Balance at end of term$428,882.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,600
Stress test qualifying rate8.19%
Payment you must qualify for$4,352.94
Cash Needed at Closing
Minimum down payment$34,600
Estimated Land Transfer Tax (LTT)$8,395
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,495
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.
