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Property Type: Detached HouseOwnership: Freehold
48 ALBION Street
Brantford, ON N3T3M3
MLS® 40870004
$614,900
3 bed3 full, 2 half bath3 parking2,699 sqftBuilt 1872
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 48 feet
NLR (F9 A270 C40)
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,450.35
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 10'1'' x 13'11'' |
| Storage | Basement | 12'4'' x 3'10'' |
| Storage | Basement | 6'0'' x 4'2'' |
| Office | Basement | 17'8'' x 9'10'' |
| Recreation room | Basement | 23'11'' x 19'7'' |
| 2pc Bathroom | Basement | — |
| Other | Second level | 12'8'' x 7'5'' |
| Bedroom | Second level | 21'5'' x 15'2'' |
| 2pc Bathroom | Second level | 7'2'' x 3'7'' |
| Sunroom | Main level | 13'6'' x 12'11'' |
| Primary Bedroom | Main level | 11'7'' x 13'11'' |
| Living room | Main level | 14'1'' x 13'10'' |
| Kitchen | Main level | 20'11'' x 15'3'' |
Description
Heritage designated Ontario Cottage! Located near the Grand River for the tranquil walking trails or the active person running & cycling; adjoining historical Dufferin District by Brant Ave, a leisurely walk to various eateries. Own a piece of history this circa 1872 red brick original cottage offers over 2,300 sq feet of incredible living space. The entrance welcomes you with a walk-up to the front brick porch surrounded by a brick wall; walking through the front door you will find original pine plank flooring and 10 foot ceilings. Be amazed! Two spacious bedrms with closets on the main floor, a big living/dining rm, an oversized eat-in kitchen featuring brick floors, quartz counters, farmhouse sink, French doors opening onto a stunning sunrm addition, here you can enjoy your morning coffee or tea watching birds in your tranquil backyard; on cold winter days the gas fireplace provides the warmth & cozy ambiance. You may access your deck from this special room. Main floor laundry/mudrm plus the renovated main bathrm completes this floor The high ceilings, original tall baseboards & wide pine floors that are featured in the gracious living/dining rm, two main floor bedrms & upper loft bedrm depict the true age of this gracious home. The upper level offers additional living space with a large bedrm & big walk-in closet plus 2 pc powder suite, perfect set up for your guest. The lower level features a family rm with fireplace &home office Storage room, utility rm finishes the basement. Beautifully maintained on the exterior with many perennial gardens at the front with additional landscaping in the backyard, completely fenced (redone in the last 3 years); beautiful shed built 2 years ago, the deck was redone 2024, natural gas bbq hook-up. The roof received double sheeting, new shingles in 2026, vinyl windows installed in 2022, the furnace & A/C approx. 6 years old. Electrical updated/Breaker Panel. Parking is not an issue with carport & driveway for 2 additional cars. (id:63161)
Listing Information
- MLS®
- 40870004
- Data last synced
- October 26, 2026
Coldwell Banker Momentum Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Momentum Realty
MLS® Number: 40870004
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
$228/sqft
Building average
—
No other active listings in this building
2042 - North Ward average
$377/sqft
15 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
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: 5.9% ($36,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$491,920.00
Periodic payment — Principal & Interest (monthly)$3,173.70
Additional monthly expenses (condo fees, tax, utilities, etc.)$505.86
Total monthly cost$3,679.56
Interest paid over 5-yr term$140,985.69
Balance at end of term$442,483.63
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$36,490
Stress test qualifying rate8.19%
Payment you must qualify for$4,484.84
Cash Needed at Closing
Minimum down payment$36,490
Estimated Land Transfer Tax (LTT)$8,773
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,763
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.
