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Property Type: Detached HouseOwnership: Freehold
12 MCCULLOCH STREET
Stratford, ON N5A2V7
MLS® X14032602
$599,900
3 bed2 bath3 parking
Amenities
Also listed: Separate Electricity Meters, Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 60 x 132 FT
- Frontage
- 60 feet
Residential
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,718 (2026)
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Foyer | Second level | — |
| Bathroom | Second level | — |
| Laundry room | Basement | — |
| Utility room | Basement | — |
| Bathroom | Basement | — |
| Office | Main level | — |
| Family room | Main level | — |
| Sunroom | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
Description
Location, location, location as every good appraiser will tell you. On a quiet side street and steps to the Old Grove Trails, Hospital, Hamlet and St. Joseph's schools, Spruce Lodge and Cedarcroft Place .This custom built, 1 family , 2017 sq ft, mid century modern side split is both unique and spacious. Some interesting history as well as a Grandfather was a brick layer by trade and bricked this home for his family. Having a very unique layout and generous principal rooms there's room for a growing family, hosting and entertaining. The mainfloor familyroom has a woodstove for cozy evenings and maybe watching a ball game or 2, as well as an office with access to the garage and a massive 3 season west facing sunroom across the back of the house, to catch the sunsets. The 2nd level features 3 oversized bedrooms with hardwood floors and a newer bath with a large glass shower and radiant floor heat. Very solid bones just needing your decorating touches. Other updates include a new furnace and water heater in 2019. Be in your new home before Christmas with the flexible closing date available. (id:63159)
Listing Information
- MLS®
- X14032602
- Tax assessment year
- 2026
- Data last synced
- October 18, 2026
Sutton Group - First Choice Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Sutton Group - First Choice Realty Ltd.
MLS® Number: X14032602
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 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: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$476.50
Total monthly cost$3,572.78
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,380.17
Cash Needed at Closing
Minimum down payment$34,990
Estimated Land Transfer Tax (LTT)$8,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,963
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.
