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Property Type: TownhouseOwnership: Freehold
280 RAILWAY AVENUE
Stratford, ON N5A2J4
MLS® X13811102
$555,000
4 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 30 x 115.9 FT
- Frontage
- 30 feet
R2
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $3,755
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Dining room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
Description
A home worth getting on board for! Welcome to Railway Ave ! Great value for your hard earned dollar! SPACIOUS FREE HOLD TOWNHOME WITH A GREAT LAYOUT AND NO ADDITIONAL CONDO FEES! This stylish, move-in-ready, in a great location is the kind of opportunity buyers wait for - and then wonder why they waited. Inside, you'll find a spacious kitchen with loads of cabinetry and counter space, a convenient 2-piece powder room, updated 4-piece bath, and a flexible layout offering up to 4+ bedrooms. Need a living room instead? The generous primary room can easily make the switch. This house doesn't tell you how to live - you get to decide. Outside, the fully fenced backyard is ready for kids, pets, entertaining, or those crisp fall evenings when you start to crave pumpkin-spice on everything! Make it your own with an attached garage and an unfinished basement loaded with potential, and this one keeps giving. Built in 2009 and well maintained, this is freehold ownership without the condo cost. Make your next one you won't regret, book your showing before it's gone! (id:63159)
Listing Information
- MLS®
- X13811102
- Data last synced
- October 13, 2026
RE/MAX A-B Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX A-B Realty Ltd
MLS® Number: X13811102
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
$321/sqft
11 active listing(s)
Parking: 3 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
343 m away
2.5 km away
Mortgage & Ownership Cost Calculator
Minimum required: 5.5% ($30,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$444,000.00
Periodic payment — Principal & Interest (monthly)$2,864.54
Additional monthly expenses (condo fees, tax, utilities, etc.)$312.92
Total monthly cost$3,177.45
Interest paid over 5-yr term$127,251.68
Balance at end of term$399,379.44
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$30,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,066.84
Cash Needed at Closing
Minimum down payment$30,500
Estimated Land Transfer Tax (LTT)$7,575
Legal / closing costs (typical estimate)$1,500
Total cash needed$39,575
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.
