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Property Type: TownhouseOwnership: Freehold
LOT 16 HARDWICK AVENUE
Stratford, ON N5A0K8
MLS® X13687726
$490,000
3 bed3.5 bath2 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 20 x 102 FT
- Frontage
- 20 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $0
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
Description
Lot 16 on Hardwick Avenue offers an exciting opportunity to own a brand-new, soon-to-be-built 1,620 sq. ft. freehold townhome in Stratford. This beautifully planned home features 3 bedrooms and 2.5 bathrooms, with a spacious open-concept design that brings the kitchen, living, and dining areas together for a comfortable and connected main-floor living space. The home includes a 1-car garage, while the primary bedroom offers a private retreat with a large walk-in closet and ensuite bathroom. For added flexibility, buyers can select a different elevation that provides the option for a 4th bedroom, making this home an ideal choice for growing families or those looking for additional space. With modern finishes, thoughtful design, and plenty of room to make it your own, Lot 16 is a wonderful opportunity to call Stratford home. (id:63159)
Listing Information
- MLS®
- X13687726
- Data last synced
- September 15, 2026
CORCORAN HORIZON REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CORCORAN HORIZON REALTY
MLS® Number: X13687726
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Stratford average
$321/sqft
11 active listing(s)
Parking: 2 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% ($24,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$392,000.00
Periodic payment — Principal & Interest (monthly)$2,529.05
Additional monthly expenses (condo fees, tax, utilities, etc.)$0.00
Total monthly cost$2,529.05
Interest paid over 5-yr term$112,348.33
Balance at end of term$352,605.27
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,609.37
Cash Needed at Closing
Minimum down payment$24,500
Estimated Land Transfer Tax (LTT)$6,275
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,275
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.