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Property Type: Detached HouseOwnership: Freehold
42 CHATHAM Street
Brantford, ON N3T2N6
MLS® 40844591
$349,900
2 bed2 bath1,856 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 26 feet
C8-19
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,982.85
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 14'7'' x 15'5'' |
| Kitchen | Second level | 12'8'' x 16'2'' |
| Living room | Second level | 18'8'' x 12'9'' |
| 4pc Bathroom | Main level | — |
| Bedroom | Main level | 10'10'' x 12'4'' |
| Kitchen | Main level | 12'7'' x 14'1'' |
| Living room | Main level | 14'7'' x 15'8'' |
Description
Up/Down duplex, with separate hydro in Downtown core. This multi-residential unit provides the ideal income provider, independent multi-family set up or live in one unit while supplementing your rent opportunity. Each unit has a good sized footprint. Property is being sold in As-In condition. (id:63161)
Listing Information
- MLS®
- 40844591
- Data last synced
- October 24, 2026
Royal LePage Brant Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Brant Realty
MLS® Number: 40844591
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 Brantford Regional Real Estate Assn Inc.
Values & Trends
This listing
$189/sqft
Building average
—
No other active listings in this building
2043 - Downtown Core average
$321/sqft
4 active listing(s)
Parking: Not indicatedStorage 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% ($17,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$279,920.00
Periodic payment — Principal & Interest (monthly)$1,805.95
Additional monthly expenses (condo fees, tax, utilities, etc.)$341.57
Total monthly cost$2,147.52
Interest paid over 5-yr term$80,225.88
Balance at end of term$251,788.95
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$17,495
Stress test qualifying rate8.19%
Payment you must qualify for$2,577.38
Cash Needed at Closing
Minimum down payment$17,495
Estimated Land Transfer Tax (LTT)$3,724
Legal / closing costs (typical estimate)$1,500
Total cash needed$22,719
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.
