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Property Type: Detached HouseOwnership: Freehold
96 CHARLES STREET
Stratford, ON N5A5X7
MLS® X13651616
$499,000
3 bed3.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 48.1 x 110.2 FT
- Frontage
- 48.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,414 (2025)
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
| Utility room | Basement | — |
Description
Get Your Weekends Back - Move-In-Ready in Stratford, Near Schools & the Festival!! You didn't move to Stratford to spend Saturdays comparing roofing quotes. You moved here for theatre nights, Saturday mornings downtown, river trail walks, and a school community that fits your family. This 3-bedroom, 3-bathroom home lets you start living that life on day one because the big-ticket work is already finished. The expensive, invisible work is done: knob-and-tube wiring removed, inspected, passed, with receipt in hand, new metal roof (2026), updated kitchen with new countertops (2026), main-floor windows replaced, bedroom insulation improved with interior foam, and new flooring throughout the main floor, including ceramic tile in the kitchen and laminate in the dining and living rooms. No renovation queue. No surprise budget. No "we'll fix it eventually." Set in a desirable Stratford school district, just minutes from renowned public and private schools, the Stratford Festival, and downtown charm. Inside, 1,384 sq. ft. gives your family room to breathe, with three bedrooms, three bathrooms, and flexible living spaces built for real life. The updated kitchen handles weekday mornings and weekend hosting with ease, while the dining and living rooms flow together for gatherings. When the day ends, the 2024 hot tub is waiting out back. Included: fridge (2025), stove, and laundry hookups upstairs and in the kitchen. Note: Backyard fences are not part of the subject property. This is the rare Stratford home that doesn't ask you to choose between charm and convenience. Book your private showing today and get your weekends back. Minutes to the Stratford Festival, downtown, and the Avon River. Move in and start living the life you moved here for . (id:63161)
Listing Information
- MLS®
- X13651616
- Tax assessment year
- 2025
- Data last synced
- October 29, 2026
LPT Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: LPT Realty
MLS® Number: X13651616
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: 5.0% ($24,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,200.00
Periodic payment — Principal & Interest (monthly)$2,575.50
Additional monthly expenses (condo fees, tax, utilities, etc.)$284.50
Total monthly cost$2,860.00
Interest paid over 5-yr term$114,411.87
Balance at end of term$359,081.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,950
Stress test qualifying rate8.19%
Payment you must qualify for$3,675.66
Cash Needed at Closing
Minimum down payment$24,950
Estimated Land Transfer Tax (LTT)$6,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,905
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.
