Loading…
Property Type: Detached HouseOwnership: Freehold
181 CHURCH STREET
Stratford, ON N5A2R4
MLS® X13687474
$599,900
6 bed2 bath6 parking
Amenities
Also listed: Separate Electricity Meters, Separate Heating Controls
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 61 x 104.9 FT
- Frontage
- 61 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,992 (2026)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Dining room | Main level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
Description
** RARE OPPORTUNITY ** Two Semi-Detached Homes under ONE TITLE on highly desired CHURCH STREET!! The first Semi is updated and has an open concept Living room, Dining room area, eat in Kitchen with laundry and sliding doors to a private deck and fenced yard. 3 bedrooms upstairs with a 4 pc bathroom and sliding doors to a private second floor deck. The second Semi has 70's Decor and has been lovingly cared for by the same occupant for 40 years. Living room, dining room, eat in kitchen and laundry with walkout to back deck and fenced yard, 3 bedrooms and a 4 pc bathroom upstairs. Two private driveways, separate gas and hydro meters. Electrical and plumbing updated in Unit 179 in 2018. Basement foundation underpinned with poured concrete. Live in one and rent the other or a perfect addition to your rental portfolio. Ideal for families looking to purchase together but still have two separate homes! Call your REALTOR to view. (id:63159)
Listing Information
- MLS®
- X13687474
- Tax assessment year
- 2026
- Data last synced
- October 18, 2026
Royal LePage Hiller Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Hiller Realty
MLS® Number: X13687474
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: 6 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: 5.8% ($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.)$499.33
Total monthly cost$3,595.61
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.