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Property Type: Detached HouseOwnership: Freehold
113 COTTLE WAY
Stratford, ON N5A0M7
MLS® X12779034
$654,900
3 bed3.5 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 39 x 99 FT
- Frontage
- 39 feet
R1(5)-38
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $0
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
The Bruder is 1581 sq ft model to be built at the new Fairgrounds subdivision, situated in a well-established Stratford neighbourhood. This lovely 2-storey home has welcoming stone detailing at the front. The open concept main floor offers luxury vinyl plank flooring, 9' ceilings and a gas fireplace. The kitchen features Barzotti soft-close cabinetry with crown moulding and quartz countertops. The primary bedroom measures 16'10" x 12'2", with a large walk-in closet and 4-piece ensuite. We offer many plans and finishes to choose from. It's your vision, it's your home! (id:63159)
Listing Information
- MLS®
- X12779034
- Data last synced
- September 15, 2026
RE/MAX A-B Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX A-B Realty Ltd
MLS® Number: X12779034
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: 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
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
No similar listings found nearby right now.
Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($40,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$523,920.00
Periodic payment — Principal & Interest (monthly)$3,380.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$0.00
Total monthly cost$3,380.15
Interest paid over 5-yr term$150,156.98
Balance at end of term$471,267.73
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$40,490
Stress test qualifying rate8.19%
Payment you must qualify for$4,763.98
Cash Needed at Closing
Minimum down payment$40,490
Estimated Land Transfer Tax (LTT)$9,573
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,563
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.