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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
109 COBOURG STREET
Stratford, ON N5A3E7
MLS® X14114792
95
Walk Score
94
Bike
$1,350,000
3 bed2 bath3 parking
95
Walk Score
94
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 76.5 x 105 FT
- Frontage
- 76.6 feet
R2-8
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $8,125 (2025)
Interior
- Basement
- Unfinished, Full, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Study | Ground level | — |
| Bedroom | Second level | — |
| Other | Second level | — |
| Bathroom | Second level | — |
| Other | Second level | — |
| Bedroom | Ground level | — |
| Dining room | Ground level | — |
| Family room | Ground level | — |
| Foyer | Ground level | — |
| Kitchen | Ground level | — |
| Laundry room | Ground level | — |
| Living room | Ground level | — |
| Bathroom | Ground level | — |
| Bedroom | Second level | — |
Description
Timeless Heritage. Exceptional Design.This captivating historic Ontario cottage blends coveted architectural details with thoughtful modern updates. Centrally located, 109 Cobourg Street is an impeccable home that welcomes you with soaring ceilings, beautiful landscaping, and a warm, inviting atmosphere. A custom-designed kitchen brings style and functionality to the heart of the home, while a "Town and Country" fireplace and custom heritage inspired mantle create a striking focal point, adding warmth and understated elegance. Rare, fully reimagined, and recreated second story loft-styled bedroom with five piece bathroom and cozy third bedroom. Traditional features complement these modern enhancements, creating a seamless balance between the home's heritage and contemporary living. Outside, utilize the detached, heated, and electrified garage for parking, art studio, or home gym. Beautifully landscaped grounds enhance the property's curb appeal and create a private setting for relaxation and everyday enjoyment. Whether you're reading beneath the trees, entertaining friends, or enjoying a quiet evening outdoors, the gardens and rear deck offer a peaceful extension of the home's living space. Thoughtfully maintained greenery and inviting outdoor areas provide a tranquil retreat in the heart of a convenient central location. A distinctive home that honours its past while embracing modern comforts, this is a rare opportunity to enjoy the enduring appeal of a historic Ontario cottage with a lifestyle designed for both connection and relaxation. (id:63161)
Listing Information
- MLS®
- X14114792
- Tax assessment year
- 2025
- Data last synced
- October 28, 2026
Sutton Group - First Choice Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Sutton Group - First Choice Realty Ltd.
MLS® Number: X14114792
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: 3 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
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Mortgage & Ownership Cost Calculator
Minimum required: 8.1% ($110,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,080,000.00
Periodic payment — Principal & Interest (monthly)$6,967.79
Additional monthly expenses (condo fees, tax, utilities, etc.)$677.08
Total monthly cost$7,644.88
Interest paid over 5-yr term$309,531.10
Balance at end of term$971,463.49
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$110,000
Stress test qualifying rate8.19%
Payment you must qualify for$9,614.64
Cash Needed at Closing
Minimum down payment$110,000
Estimated Land Transfer Tax (LTT)$23,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$134,975
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.
