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Property Type: TownhouseOwnership: Freehold
286 RAILWAY AVENUE
Stratford, ON N5A2J4
MLS® X13785578
$525,000
3 bed3.5 bath3 parking
Open House
Saturday, October 31
10:30 AM – 12:00 PM
Saturday, October 31
1:00 PM – 2:30 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 19.7 x 114.8 FT
- Frontage
- 19.8 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $3,646.02 (2026)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Kitchen | Basement | — |
| Utility room | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Living room | Second level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Basement | — |
| Family room | Second level | — |
Description
Hang the towels and your home! This beautifully updated freehold townhouse with over 1,256 sq. ft. of main and upper-level living space, +454 a fully finished lower level with exceptional flexibility. The main floor features an updated kitchen with extended cabinetry/pantry storage (2022), gas stove, stainless steel appliances, new flooring on second level (2022). Spacious dining room, which can comfortably fit a large gathering of family and friends around the table. California shutters, and a convenient powder room. Upstairs, you'll find a open-concept Family room, with high ceilings, and large windows, plus three generous bedrooms with custom built-ins, bedroom-level laundry, and bright, sun-filled living spaces. The finished lower level is ideal for multi-generational living, guests, or a private retreat, complete with a kitchenette, fridge, dishwasher, second washer and dryer, full 3-piece bath, walk-in storage closet, and additional cold storage. Step outside to your own backyard oasis professionally designed by Smoothrock Landscaping. Enjoy the custom-built Pinehaven Sawmill three-season cedar cottage, featuring electricity, a three-speed ceiling fan, intranet connectivity, and removable panels for year-round functionality and storage. The stunning perennial front garden creates exceptional curb appeal while providing a low-maintenance, no-mow front yard. Additional highlights include interior garage access, and a location on a friendly family-oriented street. Move-in ready and thoughtfully upgraded throughout, this is a home you'll be proud to own. (id:63161)
Listing Information
- MLS®
- X13785578
- Tax assessment year
- 2026
- Data last synced
- October 29, 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: X13785578
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 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
Similar active properties nearby based on property type, price, and size.
302 m away
Mortgage & Ownership Cost Calculator
Minimum required: 5.2% ($27,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$420,000.00
Periodic payment — Principal & Interest (monthly)$2,709.70
Additional monthly expenses (condo fees, tax, utilities, etc.)$303.84
Total monthly cost$3,013.53
Interest paid over 5-yr term$120,373.21
Balance at end of term$377,791.36
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,857.49
Cash Needed at Closing
Minimum down payment$27,500
Estimated Land Transfer Tax (LTT)$6,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,975
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.
