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Property Type: Detached HouseOwnership: Freehold
432 ALBERT STREET
Stratford, ON N5A3L4
MLS® X13532110
$549,900
3 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 41.5 x 119.2 FT
- Frontage
- 41.6 feet
R2(2)
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,943 (2026)
Interior
- Basement
- Partial
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Utility room | Basement | — |
Description
Welcome to 432 Albert Street, Stratford, a completely renovated detached home that combines bright, modern style with a functional layout designed for everyday living. Offering 3 bedrooms, 2 bathrooms, and tasteful updates throughout, this move-in ready property is a great opportunity for buyers looking for comfort, space, and convenience. Inside, the home features large bedrooms, main floor laundry, and new dimmable pot lights that add a warm, modern touch. The updated kitchen is both stylish and practical, complete with new cabinetry, quartz countertops, and new stainless steel appliances. Set on a fenced 41 x 119 ft. lot, the outdoor space offers plenty of room to enjoy. A new deck, side porch, and front porch provide multiple spots for relaxing or entertaining, while ample parking adds everyday convenience. Additional updates include some newer windows, a roof approximately 8 years old, Central A/C (2025) and water softener.This is a bright, updated home with the indoor and outdoor space today's buyers are looking for, all in a central Stratford location. (id:63161)
Listing Information
- MLS®
- X13532110
- Tax assessment year
- 2026
- Data last synced
- October 27, 2026
Royal LePage Hiller Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Hiller Realty
MLS® Number: X13532110
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: 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
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Mortgage & Ownership Cost Calculator
Minimum required: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (condo fees, tax, utilities, etc.)$328.58
Total monthly cost$3,166.80
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,031.25
Cash Needed at Closing
Minimum down payment$29,990
Estimated Land Transfer Tax (LTT)$7,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,963
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.
