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Property Type: Detached HouseOwnership: Freehold
113 WHITELOCK Street
Stratford, ON N5A1T2
MLS® 40872486
66
Walk Score
74
Bike
$739,000
3 bed2 bath7 parking2,363 sqftBuilt 1952
66
Walk Score
74
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 80 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,326
Interior
- Basement
- Finished, Full
- Heating
- Forced air
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 18'6'' x 12'0'' |
| Storage | Basement | 9'1'' x 13'6'' |
| Recreation room | Basement | 30'7'' x 13'7'' |
| 3pc Bathroom | Basement | 11'11'' x 11'10'' |
| Primary Bedroom | Main level | 14'1'' x 12'3'' |
| Living room | Main level | 18'3'' x 15'0'' |
| Kitchen | Main level | 19'4'' x 12'7'' |
| Workshop | Main level | 13'3'' x 20'4'' |
| Dining room | Main level | 11'5'' x 9'4'' |
| Bedroom | Main level | 11'2'' x 11'3'' |
| Bedroom | Main level | 10'11'' x 11'3'' |
| 4pc Bathroom | Main level | 7'2'' x 12'1'' |
Description
Some homes just give you more, and 113 Whitelock Street is one of them. This charming 3-bedroom, 2-bath bungalow sits on a rare 80 x 132 ft lot in one of Stratford’s established neighbourhoods. Step inside to a bright, carpet-free, open-concept main floor with easy one-level living, main-floor laundry and a beautifully renovated bath. Downstairs, the fully finished basement is ready for cozy movie nights by the fireplace, game days, a home gym or the office you’ve been needing. Then head outside, where this property really comes alive. The double-wide driveway has room for 6 vehicles, so your RV, motorhome, boat or trailer finally has a home. The attached garage wraps into a huge workshop, a true dream space for hobbyists, tradespeople and anyone who loves to build, fix or create. Summers are spent poolside in the fully fenced backyard, with a heated above-ground pool, a wraparound deck, a gazebo for shady afternoons and a shed for all the extras. Close to parks, schools and transit, with a newer roof, updated bath and pool decking. Room to live, work, play and park it all. Homes like this don’t come along often! (id:63161)
Listing Information
- MLS®
- 40872486
- Data last synced
- October 25, 2026
ROYAL LEPAGE CROWN REALTY SERVICES INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE CROWN REALTY SERVICES INC.
MLS® Number: 40872486
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
$313/sqft
Building average
—
No other active listings in this building
22 - Stratford average
$399/sqft
25 active listing(s)
Parking: 7 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 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.
Population
45,195
(2021 Census)
+7.3% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 6.6% ($48,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$591,200.00
Periodic payment — Principal & Interest (monthly)$3,814.22
Additional monthly expenses (condo fees, tax, utilities, etc.)$561.83
Total monthly cost$4,376.06
Interest paid over 5-yr term$169,439.62
Balance at end of term$531,786.31
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$48,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,350.86
Cash Needed at Closing
Minimum down payment$48,900
Estimated Land Transfer Tax (LTT)$11,255
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,655
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.
