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Property Type: Detached HouseOwnership: Freehold
231 CHURCH STREET
Stratford, ON N5A2R7
MLS® X13871478
$850,000
5 bed4 full, 2 half bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2.5
- Lot size
- 65 x 107.7 FT
- Frontage
- 65 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,975 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Second level | — |
| Dining room | Main level | — |
| Primary Bedroom | Third level | — |
| Bathroom | Third level | — |
| Laundry room | Basement | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Family room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
Description
On a popular Stratford street, nestled in a mature character-filled neighbourhood, stands this proud, handsome 2.5 story home. You are welcomed by the beautiful landscaping, colourful gardens and inviting porch. Step inside and instantly appreciate the intricate details in the hard wood floors, tall baseboards and wood trim which set the elegant tone of this traditional main floor layout. Bright and airy from large windows accented with stunning lead glass, the living room and dining room flow effortlessly into the functional kitchen. A family room and powder room are a bonus on this level. 4 well appointed bedrooms and bathrooms encircle the second floor. The primary suite in the attic provides privacy and comfort with a 3 piece ensuite and window reading nook. All windows in the home have been replaced. The basement is clean with lots of storage and another 2 piece bath. Outside, enjoy puttering in the gardens, or soak in the hot tub to relax. The detached carriage house couples as a single garage along with a separate finished room to enjoy as a work-out space or studio. The large upper level is unfinished and perfect for storage or the opportunity to create something more. Only a short walk to the vibrant downtown core, restaurants, river walks and schools. An incredible property on a beautiful lot, this home is truly special! (id:63159)
Listing Information
- MLS®
- X13871478
- Tax assessment year
- 2026
- Data last synced
- October 11, 2026
Home and Company Real Estate Corp Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Home and Company Real Estate Corp Brokerage
MLS® Number: X13871478
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 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: 7.1% ($60,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$680,000.00
Periodic payment — Principal & Interest (monthly)$4,387.13
Additional monthly expenses (condo fees, tax, utilities, etc.)$581.25
Total monthly cost$4,968.38
Interest paid over 5-yr term$194,889.95
Balance at end of term$611,662.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$60,000
Stress test qualifying rate8.19%
Payment you must qualify for$6,125.46
Cash Needed at Closing
Minimum down payment$60,000
Estimated Land Transfer Tax (LTT)$13,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,975
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.
