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Property Type: Detached HouseOwnership: Freehold
25 USHER STREET
Brantford, ON N3R1B9
MLS® X14030442
$399,900
3 bed1 bath1 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 33 x 88 FT
- Frontage
- 33 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,695.15 (2025)
Interior
- Basement
- Unfinished, Partial, Crawl space, N/A
- Heating
- Forced air, Natural gas
Description
Welcome to the perfect first-time buyer home. This charming 3-bedroom, 1-bathroom bungalow offers affordable, low-maintenance living in a central Brantford location. Freshly painted and featuring new and updated flooring throughout, a stylish new kitchen (2025) and bathroom (2024), and convenient main-floor laundry, this home is truly move-in ready. Enjoy great entertaining space for hosting family and friends both indoor in the large open kitchen, or outdoor on the beautiful deck. Low maintenance yard offers more time for you and your family, while still allowing you to have your own private space. All while being close to everyday amenities, public transit, and easy highway access. Other amazing updates to provide peace of mind for you would be windows (2026), and furnace & AC (2019)! (id:63159)
Listing Information
- MLS®
- X14030442
- Tax assessment year
- 2025
- Data last synced
- October 19, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14030442
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:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($19,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$319,920.00
Periodic payment — Principal & Interest (monthly)$2,064.02
Additional monthly expenses (condo fees, tax, utilities, etc.)$224.60
Total monthly cost$2,288.61
Interest paid over 5-yr term$91,689.99
Balance at end of term$287,769.07
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,995
Stress test qualifying rate8.19%
Payment you must qualify for$2,945.68
Cash Needed at Closing
Minimum down payment$19,995
Estimated Land Transfer Tax (LTT)$4,474
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,969
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.
