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Property Type: Detached HouseOwnership: Freehold
86 OAK Street
Brantford, ON N3T2B3
MLS® 40868184
$649,900
3 bed2 bath9 parking2,073 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 56 feet
F-RC
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,426.26
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Loft | Third level | 13'9'' x 8'7'' |
| 3pc Bathroom | Second level | 5'3'' x 14'8'' |
| Laundry room | Second level | 7'4'' x 7'4'' |
| Bedroom | Second level | 12'7'' x 9'3'' |
| Primary Bedroom | Second level | 12'6'' x 20'4'' |
| 3pc Bathroom | Main level | 9'2'' x 4'9'' |
| Bedroom | Main level | 9'4'' x 17'4'' |
| Living room/Dining room | Main level | 12'6'' x 30'4'' |
| Kitchen | Main level | 12'5'' x 13'4'' |
| Foyer | Main level | 13'5'' x 9'7'' |
Description
Character and charm meet modern updates in this beautifully renovated 2-storey detached home on a generous 56 x 124 ft lot in sought-after Brantford. Updated from top to bottom, this 3-bedroom, 2-bath brick home offers an ideal blend of classic character and contemporary living. The spacious main floor features a grand living room/dining room combination anchored by a stunning floor-to-ceiling gas fireplace - perfect for entertaining or cozy evenings in. A large eat-in kitchen with oversized island and sliding patio doors flows seamlessly to the backyard oasis. A main floor bedroom and 3-piece bath add flexibility for guests or multi-generational living. The bonus sitting room provides even more versatile space. Upstairs, the massive primary bedroom (20 x 12 ft) impresses with a walk-in closet, complemented by a second bedroom, a bath with plenty of space to add a laundry and convert the current laundry room into a 4th bedroom. A bonus loft, accessed via pull-down staircase, offers additional storage or creative space. Step outside to a meticulously maintained backyard entertainers' dream - complete with an open deck off the kitchen, landscaping, and ample green space. The detached oversized single car garage and private double driveway with parking for up to 9 vehicles round out this exceptional property. Bonus potential: the home retains the ability to be converted back to a multifamily property with multiple meters. Forced air gas heat, central A/C, municipal water and sewer. Don't miss this one-of-a-kind opportunity! (id:63159)
Listing Information
- MLS®
- 40868184
- Data last synced
- October 15, 2026
RE/MAX Escarpment Golfi Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Escarpment Golfi Realty Inc.
MLS® Number: 40868184
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$314/sqft
Building average
—
No other active listings in this building
2071 - Old West Brant average
$446/sqft
6 active listing(s)
Parking: 9 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
4°C
—
Humidity 98%
Wind SW 3 km/h
Today
20°
Tonight
5°
Friday
13°
Friday night
-1°
Saturday
14°
Saturday night
4°
Source: Environment and Climate Change Canada.
Population
104,688
(2021 Census)
+6.2% since 2016
Density: 1,061.2/km²
Dwellings: 43,269
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$389.52
Total monthly cost$3,743.87
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
