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Property Type: Detached HouseOwnership: Freehold
220 HIBERNIA STREET
Stratford, ON N5A5V5
MLS® X13444940
$2,200,000
5 bed4.5 bath12 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2.5
- Lot size
- 136 x 160 FT
- Frontage
- 136 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $11,061.07
Interior
- Basement
- Finished, Walk out, N/A
- Heating
- Natural gas
- Cooling / A/C
- Wall unit
Description
For More Information About This Listing, More Photos & Appointments, Please Click "View Listing On Realtor Website" Button In The Realtor.Ca Browser Version Or 'Multimedia' Button or brochure On Mobile Device App. (id:63159)
Listing Information
- MLS®
- X13444940
- Data last synced
- September 15, 2026
TIMES REALTY GROUP INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: TIMES REALTY GROUP INC.
MLS® Number: X13444940
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
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No other active listings in this building
Stratford average
$393/sqft
28 active listing(s)
Parking: 12 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: 20.0% ($440,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,760,000.00
Periodic payment — Principal & Interest (monthly)$11,354.92
Additional monthly expenses (condo fees, tax, utilities, etc.)$921.76
Total monthly cost$12,276.68
Interest paid over 5-yr term$504,421.06
Balance at end of term$1,583,125.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$440,000
Stress test qualifying rate8.19%
Payment you must qualify for$13,646.58
Cash Needed at Closing
Minimum down payment$440,000
Estimated Land Transfer Tax (LTT)$41,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$482,975
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.