12 McCulloch Street, Stratford

$599,900
12 McCulloch Street

$599,900

New
9d
DetachedSidesplit 4

12 McCulloch Street, Stratford

Total Monthly Obligation $3,271

Beds
3
Baths
2
Park
2
Sqft
2000-2500
DOM
9d
Score
19
Yield
5.4%
Cash on Cash
-2.5%
Cap Rate
4.0%
5Y IRR
13.5%
10Y IRR
13.0%
Property Type-Detached
MLS® Number-X14032602
Beds-3
Bathrooms-2
Size-2000-2500 sqft
Lot Size-60 × 132 ft
Listed on site-Oct 14, 2026
Style-Sidesplit 4
Building Type-Detached
Age-51-99
Taxes-$5,718 (2025)
Parking-3 - Attached
Basement-Full, Partially Finished
Heating-Forced Air (Gas)
Brokerage-Sutton Group - First Choice Realty Ltd.
Cooling-Central Air
Laundry-No
Fireplace-Living Room, Wood Stove
Pool-None
Facing-West
Exterior-Aluminum Siding, Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Other
Possession-Flex possession on probate
Neighbourhood-Stratford
Title-Residential Freehold

No agent assigned

Location, location, location as every good appraiser will tell you. On a quiet side street and steps to the Old Grove Trails, Hospital, Hamlet and St. Joseph's schools, Spruce Lodge and Cedarcroft Place .This custom built, 1 family , 2017 sq ft, mid century modern side split is both unique and spacious. Some interesting history as well as a Grandfather was a brick layer by trade and bricked this home for his family. Having a very unique layout and generous principal rooms there's room for a growing family, hosting and entertaining. The mainfloor familyroom has a woodstove for cozy evenings and maybe watching a ball game or 2, as well as an office with access to the garage and a massive 3 season west facing sunroom across the back of the house, to catch the sunsets. The 2nd level features 3 oversized bedrooms with hardwood floors and a newer bath with a large glass shower and radiant floor heat. Very solid bones just needing your decorating touches. Other updates include a new furnace and water heater in 2019. Be in your new home before Christmas with the flexible closing date available.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$479,920
Land Transfer Taxes$8,473
Legal Fees (Est.)
$
Total cash required for closing$129,953

Total Monthly Obligation

$3,271/mo
Mortgage $2,420
Monthly Loss $2,635
Principal$637
Interest$1,783
Property Tax$477
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%19
Cash-on-Cash
-7.8%1
5-Year IRR
9.5%32
10-Year IRR
10.3%
Returns Index
17.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$32,400/yr
NOI
$18,942/yr
Net Cash Flow
-$841/mo
Cash Margin
-31.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo49
Risk Index
25.1/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 12 McCulloch Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.