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Property Type: Detached HouseOwnership: Freehold
442 JOSEPH Street
New Hamburg, ON N3A1G3
MLS® 40866471
$595,000
3 bed2.5 bath2 parking1,376 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.11 acres
- Frontage
- 30 feet
Z3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,344
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 9'8'' x 9'3'' |
| Bedroom | Second level | 11'10'' x 10'6'' |
| Primary Bedroom | Second level | 11'4'' x 18'11'' |
| 2pc Bathroom | Main level | — |
| Living room | Main level | 10'6'' x 21'3'' |
| Dining room | Main level | 8'6'' x 9'7'' |
| Kitchen | Main level | 11'2'' x 11'3'' |
Description
Welcome to this semi-detached home in New Hamburg, offering 3 bedrooms, 2 bathrooms and a single-car garage. A great floorplan with an open main floor and lots of natural light makes the home feel bright and functional. The main floor features carpet-free flooring throughout and an updated kitchen. The living room provides direct access to the backyard, with an impressive almost 160-foot-deep lot offering plenty of outdoor space. The full basement offers additional space and is ready for someone to finish and make it their own. Located in charming and family friendly New Hamburg, enjoy a sweet downtown with great local shops, dining and everyday amenities. With direct access to the expressway, Kitchener-Waterloo is approximately 20 minutes away, making this a convenient location for commuters. (id:63161)
Listing Information
- MLS®
- 40866471
- Data last synced
- October 26, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40866471
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
$432/sqft
Building average
—
No other active listings in this building
660 - New Hamburg average
$426/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 100%
Wind ESE 4 km/h
Today
18°
Tonight
6°
Friday
11°
Friday night
0°
Saturday
15°
Saturday night
5°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (3)
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$476,000.00
Periodic payment — Principal & Interest (monthly)$3,070.99
Additional monthly expenses (condo fees, tax, utilities, etc.)$347.67
Total monthly cost$3,418.66
Interest paid over 5-yr term$136,422.97
Balance at end of term$428,163.54
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,345.97
Cash Needed at Closing
Minimum down payment$34,500
Estimated Land Transfer Tax (LTT)$8,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,375
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.
