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Property Type: Detached HouseOwnership: Freehold
78 ONTARIO Street
Brantford, ON N3S2C3
MLS® 40869510
69
Walk Score
71
Bike
$489,900
3 bed2 bath3 parking1,449 sqftBuilt 1895
69
Walk Score
71
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 1.5
- Lot size
- 0.12 acres
- Frontage
- 34 feet
NLR
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,094.51
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Storage | Second level | 4'9'' x 5'0'' |
| Bedroom | Second level | 14'11'' x 15'5'' |
| 4pc Bathroom | Second level | 4'9'' x 13'11'' |
| 3pc Bathroom | Main level | 6'3'' x 7'6'' |
| Primary Bedroom | Main level | 11'11'' x 15'3'' |
| Bedroom | Main level | 9'8'' x 10'8'' |
| Dining room | Main level | 12'4'' x 19'0'' |
| Kitchen | Main level | 9'8'' x 19'0'' |
| Living room | Main level | 12'0'' x 16'0'' |
Description
Welcome to 78 Ontario Street, a spacious detached century home offering approximately 1,449 sq. ft. of above-grade living space, four bedrooms and two full bathrooms. Set on a mature 0.12-acre lot, this character-filled property provides a flexible layout well suited to families, first-time buyers or anyone looking for extra space and the opportunity to make a home their own. The main level features comfortable living and dining areas, a generously sized eat-in kitchen with abundant cabinetry, convenient bedroom accommodation and a three-piece bathroom with a walk-in shower. The upper half-storey adds further bedroom space, a second full bathroom and useful storage. An unfinished basement provides laundry facilities, mechanical space, workshop potential and plenty of additional storage. Outside, enjoy a fenced and treed backyard with gardens, lawn and a covered patio—an inviting setting for relaxing or entertaining. Located in an established Brantford neighbourhood close to parks, trails, the Grand River, transit and everyday amenities, 78 Ontario Street offers substantial living space, century-home character and plenty of potential to update and personalize. (id:63161)
Listing Information
- MLS®
- 40869510
- Data last synced
- October 21, 2026
Coldwell Banker Momentum Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Momentum Realty
MLS® Number: 40869510
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
$338/sqft
Building average
—
No other active listings in this building
2085 - Eagle Place West average
$419/sqft
8 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% ($24,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$391,920.00
Periodic payment — Principal & Interest (monthly)$2,528.53
Additional monthly expenses (condo fees, tax, utilities, etc.)$329.88
Total monthly cost$2,858.41
Interest paid over 5-yr term$112,325.40
Balance at end of term$352,533.31
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,608.63
Cash Needed at Closing
Minimum down payment$24,495
Estimated Land Transfer Tax (LTT)$6,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,268
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.
