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Property Type: Detached HouseOwnership: Freehold
325 CHATHAM STREET
Brantford, ON N3S4H7
MLS® X13829956
$699,900
4 bed3 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 41.2 x 132 FT
- Frontage
- 41.2 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,626
Interior
- Basement
- Finished, Walk out, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Ground level | — |
| Primary Bedroom | Ground level | — |
| Dining room | Ground level | — |
| Kitchen | Ground level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Laundry room | Basement | — |
Description
Welcome to 325 Chatham Street, a beautifully renovated detached home offering 3 bedrooms, 3 bathrooms, a fully finished basement with separate entrance, and a deep 41 x 132 ft lot in Brantford. Step inside and you'll immediately appreciate the combination of character and modern updates throughout. The bright main level features inviting living and dining spaces, a striking fireplace feature wall, stylish finishes and a spacious kitchen with stainless steel appliances and direct access to the covered rear deck-perfect for everyday living and entertaining. The upper level offers bright and comfortable bedrooms with plenty of natural light and charming architectural details. Downstairs, the fully finished basement adds valuable additional living space and features its own separate entrance, providing excellent flexibility for extended family, guests, a home office, recreation space or additional everyday living. Outside, the deep backyard is a true highlight. With plenty of room for entertaining, gardening, kids and pets, it's an outdoor space that's becoming increasingly hard to find. Enjoy summer evenings under the covered deck while still having an expansive backyard to make your own. A long driveway provides ample parking. Beautifully updated, full of character and offering exceptional flexibility inside and out, 325 Chatham Street is a home that needs to be experienced in person. Conveniently located close to schools, parks, shopping, everyday amenities and major routes. Book your private showing today! (id:63159)
Listing Information
- MLS®
- X13829956
- Data last synced
- October 5, 2026
BAY STREET GROUP INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: BAY STREET GROUP INC.
MLS® Number: X13829956
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: 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
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
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Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$302.17
Total monthly cost$3,914.58
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
