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Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED
486 CHATHAM STREET
Brantford, ON N3S4J9
MLS® X14110476
53
Walk Score
65
Bike
$499,999
3 bed2.5 bath3 parking
53
Walk Score
65
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 85 x 178.9 FT
- Frontage
- 85 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,753.42 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Basement | — |
| Other | Basement | — |
Description
Welcome to 486 Chatham Street in the heart of Brantford! Situated on a generous lot spanning over a quarter of an acre, this 3 bedroom, 2 bathroom bungalow offers a fantastic opportunity to enjoy convenient main floor living with plenty of room to make it your own. Ideally located just off Wayne Gretzky Parkway, this home provides easy access to Highway 403 while being just minutes from shopping, dining, parks, and everyday amenities. Inside, you'll find a spacious and functional floor plan with plenty of natural light throughout. Three generously sized bedrooms and convenient main floor living make this home an appealing option for a variety of lifestyles. The unfinished basement offers additional space and exciting possibilities for future customization, allowing you to create an area that best suits your needs. Outside, the mature lot provides a wonderful setting with a fully fenced backyard and plenty of room to enjoy the outdoors. Whether you envision beautiful gardens, an outdoor entertaining space, or simply a private backyard retreat, there's plenty of potential to bring your ideas to life. With its generous lot size, convenient location, and opportunities to add your own personal touches, 486 Chatham Street is a property full of possibilities. A great opportunity to create a space you'll be proud to call home! (id:63161)
Listing Information
- MLS®
- X14110476
- Tax assessment year
- 2026
- Data last synced
- October 24, 2026
CENTURY 21 HERITAGE HOUSE LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CENTURY 21 HERITAGE HOUSE LTD
MLS® Number: X14110476
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
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% ($25,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,999.00
Periodic payment — Principal & Interest (monthly)$2,580.66
Additional monthly expenses (condo fees, tax, utilities, etc.)$396.12
Total monthly cost$2,976.78
Interest paid over 5-yr term$114,640.86
Balance at end of term$359,800.39
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$25,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,683.02
Cash Needed at Closing
Minimum down payment$25,000
Estimated Land Transfer Tax (LTT)$6,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,975
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.
