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Property Type: Detached HouseOwnership: Freehold
226 BIRMINGHAM STREET
Stratford, ON N5A2T5
MLS® X14097042
80
Walk Score
84
Bike
$589,900
2 bed2 bath5 parking
80
Walk Score
84
Bike
Open House
Saturday, October 31
11:00 AM – 12:00 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 44 x 105 FT
- Frontage
- 44 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,814 (2025)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Den | Basement | — |
| Utility room | Basement | — |
Description
Welcome to this beautifully updated mid-century home, perfectly situated on a desirable street in Stratford's Hamlet Ward. Filled with charm and character, this 2-bedroom home has been thoughtfully modernized while preserving the timeless details that make it so special. Natural light pours through the windows, creating a warm and inviting atmosphere throughout. The bright, updated kitchen features a charming, sun-filled eat-in nook, while the spacious living room offers beautiful natural light and a cozy fireplace, perfect for bird watching, relaxing or entertaining. And there's even more space to enjoy downstairs! The fully finished lower level features an open-concept recreation room, an additional versatile room for overnight guests or a home office, and a convenient bathroom with a shower. Outside, a large detached garage provides plenty of room for parking, storage or hobbies. Located just short walk from Stratford's downtown, the walking trails of T.J. Dolan, the hospital, and all the wonderful amenities this beautiful city has to offer. This move-in-ready home perfectly blends mid-century character with modern comfort. Come see for yourself. A truly special place to call home! (id:63161)
Listing Information
- MLS®
- X14097042
- Tax assessment year
- 2025
- Data last synced
- October 28, 2026
Sutton Group - First Choice Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Sutton Group - First Choice Realty Ltd.
MLS® Number: X14097042
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: 5 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% ($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.)$401.17
Total monthly cost$3,445.83
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.
