145 Caledonia ST, Stratford, ON N5A 5W7
145 Caledonia ST , Stratford, ON N5A 5W7
$ 725,000
Bed Rooms
3
Bath Rooms
2
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Virtual Tour
20 photos
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Approx. Sqft
1100-1500
Subdivision
Stratford
MLS Listing ID
X12081675
Style
2-Storey
Bedrooms
3
Annual Tax Amount
$3,806
Tax Year
2025
Property Sub-Type
Detached
Location
Province
ON
County
Perth
Area
Perth
Zoning
R2
Rooms
Family Room
No
Basement
Unfinished
Kitchen
1
Interior
Interior Features
Ventilation System, Water Softener
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Living Room, Natural Gas
Inclusions
Fridge, Stove, Dishwasher, Washer, Dryer, Window Coverings, Electric Light & Plumbing Fixtures, Water Softener
Exterior
Exterior Feature
Deck, Hot Tub, Lighting, Patio, Porch Enclosed, Porch, Landscaped, Year Round Living
Parking Features
Right Of Way
Pool
None
Roof Type
Asphalt Shingle
Lot Frontage
32.58
Lot Depth
108.81
Total Parking Spaces
2
Building
Building Age
100+
Foundation
Poured Concrete
Others
Senior Community
Yes
ParcelsYN
No
Virtual Tour
https://unbranded.youriguide.com/d0wxn_145_caledonia_st_stratford_on/
Listed by StreetCity Realty Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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145 Caledonia ST

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Navjot Singh
Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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