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Property Type: Detached HouseOwnership: Freehold
18 MODERWELL STREET
Stratford, ON N5A7T9
MLS® X13834632
$520,000
3 bed1 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 33 x 132 FT
- Frontage
- 33 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,653
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Family room | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
Welcome to this well-maintained 3-bedroom, 1-bath semi-detached home offering comfort, functionality and more. This home features an attached garage, a cozy sunroom addition, perfect for enjoying extra living space throughout the seasons. You will find a practical layout with bright living areas and 3 generously sized bedrooms, offering flexibility for families, tenants, or home office use. Conveniently located near schools, parks, the Stratford General Hospital, and everyday amenities- Whether you're a first-time home buyer looking to enter the market or an investor seeking a solid rental opportunity, this home offers excellent value and long-term potential. (id:63159)
Listing Information
- MLS®
- X13834632
- Data last synced
- September 29, 2026
Sutton Group - First Choice Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Sutton Group - First Choice Realty Ltd.
MLS® Number: X13834632
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
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.2% ($27,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$416,000.00
Periodic payment — Principal & Interest (monthly)$2,683.89
Additional monthly expenses (condo fees, tax, utilities, etc.)$304.42
Total monthly cost$2,988.31
Interest paid over 5-yr term$119,226.80
Balance at end of term$374,193.35
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,822.59
Cash Needed at Closing
Minimum down payment$27,000
Estimated Land Transfer Tax (LTT)$6,875
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,375
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.
