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Property Type: Detached HouseOwnership: Freehold
18 FORD DRIVE
Stratford, ON N5A0L3
MLS® X13698494
$589,900
4 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 36.4 x 104.9 FT
- Frontage
- 36.4 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $0 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Bathroom | Second level | — |
Description
A great home isn't measured by how much space you have, but by how well that space works for the life you're building. The Birmingham was designed with exactly that in mind. Part of our Essentials Collection, this thoughtfully planned home offers 1,455 square feet, 4 bedrooms, and1.5 bathrooms, bringing together the space families need with a price that makes brand-new homeownership feel within reach. Step inside and the main floor immediately feels connected. The open-concept living room and eat-in kitchen create an easy, comfortable space for everyday life- morning coffee at the table, busy weeknight dinners, movie nights on the couch, and friends gathered around the kitchen. With a carpet-free main floor, the space is practical, easy to maintain, and ready for everything that comes with a busy household. Inside entry from the attached garage makes groceries, backpacks, winter boots, and everyday comings and goings that much easier. Upstairs, four bedrooms give everyone room to settle in. Fill them with family, turn one into an office, create a guest room, or finally have space dedicated to the hobbies and interests that tend to take over the kitchen table. The Essentials Collection is about being intentional. We've focused on the features that matter most, simplified where it makes sense, and created homes that deliver the benefits of new construction at a more approachable price point. You'll still have the opportunity to choose from available finishes, colours, cabinetry, flooring, and upgrades, giving you the chance to put your own stamp on the home before you ever move in. (id:63159)
Listing Information
- MLS®
- X13698494
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13698494
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 Toronto Regional Real Estate Board.
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: 5.8% ($33,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$471,920.00
Periodic payment — Principal & Interest (monthly)$3,044.67
Additional monthly expenses (condo fees, tax, utilities, etc.)$0.00
Total monthly cost$3,044.67
Interest paid over 5-yr term$135,253.63
Balance at end of term$424,493.57
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$33,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,310.38
Cash Needed at Closing
Minimum down payment$33,990
Estimated Land Transfer Tax (LTT)$8,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$43,763
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.
