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Property Type: Detached HouseOwnership: Freehold
261 ALBERT STREET
Stratford, ON N5A3K8
MLS® X13763544
$835,000
5 bed4 full, 2 half bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 64.8 x 119.3 FT
- Frontage
- 64.9 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,268 (2025)
Interior
- Basement
- Finished, Unfinished, N/A, N/A
- Heating
- Forced air, Electric
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Lower level | — |
| Other | Lower level | — |
| Bathroom | Lower level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
Description
Exceptional family home with five-bedrooms, four bathrooms, rebuilt from the ground up with remarkable attention to quality and modern family living. Virtually every major component has been replaced or upgraded, including electrical, plumbing, heating and cooling systems, roof, siding, soffit and fascia, driveway, landscaping, and more, offering the confidence and comfort of what is essentially a new home in one of Stratford's desirable midtown neighbourhoods.The main floor features a bright, open-concept living space with windows on two sides, 9.5-foot ceilings, and a fireplace that anchors the entertainment wall. A versatile front room with a large window and generous closet space makes an ideal home office, den, or additional bedroom. A convenient main-floor bathroom and laundry area add everyday functionality.At the heart of the home is a stunning gourmet kitchen, complete with a large island designed for casual dining and entertaining and a full suite of Samsung appliances. A new deck extends the living space outdoors, overlooking the backyard on a spacious double lot. The newly sided detached garage offers excellent storage or the opportunity to create the workshop, studio, or entertainment space you've always envisioned. A substantial second-storey addition adds exceptional space and flexibility. A custom corner staircase window fills the upper level with natural light. The private primary suite features a beautifully appointed ensuite, while three additional generously sized bedrooms, each with large windows and ample closet space, are served by a newly added four-piece bathroom. The lower level offers a spacious family and entertainment room with a large egress window and a convenient two-piece bathroom, along with access to substantial storage space in the original basement. Beautifully finished and thoughtfully designed, this is a home that offers space to grow, room to gather, and the peace of mind of knowing the work has already been done. (id:63161)
Listing Information
- MLS®
- X13763544
- Tax assessment year
- 2025
- Data last synced
- October 21, 2026
RE/MAX A-B Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX A-B Realty Ltd
MLS® Number: X13763544
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: 4 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:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.0% ($58,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$668,000.00
Periodic payment — Principal & Interest (monthly)$4,309.71
Additional monthly expenses (condo fees, tax, utilities, etc.)$355.67
Total monthly cost$4,665.38
Interest paid over 5-yr term$191,450.72
Balance at end of term$600,868.16
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$58,500
Stress test qualifying rate8.19%
Payment you must qualify for$6,020.78
Cash Needed at Closing
Minimum down payment$58,500
Estimated Land Transfer Tax (LTT)$13,175
Legal / closing costs (typical estimate)$1,500
Total cash needed$73,175
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.
