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Property Type: Detached HouseOwnership: Freehold
78 TERRACE HILL STREET
Brantford, ON N3R1G1
MLS® X13718880
$529,900
3 bed2 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 57.5 x 140 FT
- Frontage
- 57.6 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,180 (2026)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Family room | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Second level | — |
| Loft | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
**Listing photos were taken before the current tenant occupancy** Welcome to 78 Terrace HillStreet, Brantford! a beautifully maintained and extensively renovated home offering theperfect blend of character, comfort, and functionality. Nestled in a quiet, family-friendlyneighborhood, this spacious 3-bedroom, 2-bathroom property is ideal for families,professionals, or investors alike. The main level features a bright and inviting eat-inkitchen with stainless steel appliances and a recent renovation completed in 2021, a cozyliving room, a separate dining room, a generous family room, and a spacious primary bedroom,along with a well-appointed 4-piece bathroom. Upstairs, you'll find two generously sizedbedrooms, a versatile loft area, a den/home office, and a convenient 3-piece bathroom. Stepoutside to enjoy a private backyard with no rear neighbors, providing added privacy and spacefor outdoor entertaining. The large driveway accommodates up to six vehicles, offering plentyof parking for family and guests.The expansive unfinished basement presents excellentpotential for additional living space, a recreation room, home gym, or future income-generating possibilities. Conveniently located close to schools, parks, shopping, and everydayamenities, with easy access to Highway 403, this move-in-ready home is a fantastic opportunityin one of Brantford's established neighborhoods. (id:63159)
Listing Information
- MLS®
- X13718880
- Tax assessment year
- 2026
- Data last synced
- October 14, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X13718880
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: 6 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: 5.3% ($27,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$423,920.00
Periodic payment — Principal & Interest (monthly)$2,734.99
Additional monthly expenses (condo fees, tax, utilities, etc.)$265.00
Total monthly cost$2,999.99
Interest paid over 5-yr term$121,496.69
Balance at end of term$381,317.41
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,990
Stress test qualifying rate8.19%
Payment you must qualify for$3,891.68
Cash Needed at Closing
Minimum down payment$27,990
Estimated Land Transfer Tax (LTT)$7,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$36,563
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.
