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Property Type: Detached HouseOwnership: Freehold
190 JACOB Street
New Hamburg, ON N3A1B8
MLS® 40872160
72
Walk Score
70
Bike
$449,900
2 bed1 bath2 parking1,316 sqftBuilt 1890
72
Walk Score
70
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.06 acres
- Frontage
- 23 feet
Z3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,014
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 9'7'' x 13'0'' |
| Primary Bedroom | Second level | 12'9'' x 15'3'' |
| Living room | Main level | 12'10'' x 8'10'' |
| Dining room | Main level | 4'8'' x 10'1'' |
| Kitchen | Main level | 9'7'' x 10'1'' |
Description
Charming century-old semi-detached home in the popular town of New Hamburg! This unique property has kept its original character throughout while offering the peace of mind of key updates, including an updated kitchen and appliances (2022), new carpet plus kitchen and bathroom flooring (2022), and a durable steel roof (2024), updated panel (October 2026). Modest in size but comfortable, the home features two spacious bedrooms and a 4-piece bath, making it a great fit for first-time buyers or downsizers. Relax on the covered front porch or the back deck, with parking for two cars. Just steps to all that downtown New Hamburg has to offer, and close to trails, parks, schools, churches, shopping and highway access. Character, updates and a great location, all in one! (id:63161)
Listing Information
- MLS®
- 40872160
- Data last synced
- October 28, 2026
Hewitt Jancsar Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Hewitt Jancsar Realty Ltd.
MLS® Number: 40872160
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
$342/sqft
Building average
—
No other active listings in this building
660 - New Hamburg average
$431/sqft
20 active listing(s)
Parking: 2 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
Nearest station: Stratford
8°C
Fog
Humidity 99%
Wind ENE 3 km/h
Tonight
8°
Thursday
20°
Thursday night
5°
Friday
12°
Friday night
0°
Saturday
15°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (5+)
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($22,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,920.00
Periodic payment — Principal & Interest (monthly)$2,322.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$233.83
Total monthly cost$2,555.92
Interest paid over 5-yr term$103,154.11
Balance at end of term$323,749.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,313.99
Cash Needed at Closing
Minimum down payment$22,495
Estimated Land Transfer Tax (LTT)$5,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,468
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.