Loading…
Property Type: Detached HouseOwnership: Freehold
105 CENTRE STREET
Stratford, ON N5A1E5
MLS® X13848172
$895,000
3 bed2.5 bath8 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 66 x 167.6 FT
- Frontage
- 66 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,992.6 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Main level | — |
| Eating area | Main level | — |
| Dining room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Office | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
Description
Nestled on one of Stratford's most sought-after streets, this charming 1,871 sq. ft. century-old yellow-brick Ontario Cottage (Circa 1871) offers timeless character and exceptional curb appeal. Perfectly positioned on a generous 66' x 167' lot, the home features 3 bedrooms, including a convenient main floor bedroom (currently used as family/music room), a welcoming foyer, spacious living and dining rooms, and a main floor den. A thoughtfully designed rear addition creates a bright eat-in kitchen and comfortable sitting area overlooking the spacious deck and gardens. The mature lot, large double car garage, and ideal placement of the home provide both privacy and outdoor enjoyment. A rare opportunity to own a classic Stratford treasure. (id:63161)
Listing Information
- MLS®
- X13848172
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
Home and Company Real Estate Corp Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Home and Company Real Estate Corp Brokerage
MLS® Number: X13848172
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Stratford average
$393/sqft
28 active listing(s)
Parking: 8 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
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.
Population
45,195
(2021 Census)
+7.3% since 2016
Density:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 7.2% ($64,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$716,000.00
Periodic payment — Principal & Interest (monthly)$4,619.39
Additional monthly expenses (condo fees, tax, utilities, etc.)$582.72
Total monthly cost$5,202.11
Interest paid over 5-yr term$205,207.66
Balance at end of term$644,044.32
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,500
Stress test qualifying rate8.19%
Payment you must qualify for$6,439.48
Cash Needed at Closing
Minimum down payment$64,500
Estimated Land Transfer Tax (LTT)$14,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,375
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.
