147 Pearl Street, Brantford

$399,900
147 Pearl Street

$399,900

New
7d
Semi-Detached Bungalow

147 Pearl Street, Brantford

Total Monthly Obligation $2,172

Beds
2
Baths
1
Park
2
Sqft
700-1100
DOM
7d
Score
34
Yield
7.7%
Cash on Cash
8.9%
Cap Rate
6.5%
5Y IRR
22.7%
10Y IRR
20.6%
Property Type-Semi-Detached
MLS® Number-X14085140
Beds-2
Bathrooms-1
Size-700-1100 sqft
Lot Size-52.5 × 95.85 ft
Listed on site-Oct 16, 2026
Style-Bungalow
Building Type-Semi-Detached
Age-100+
Taxes-$2,201.25 (2026)
Parking-2 - None
Basement-Unfinished, Walk-Up
Heating-Forced Air (Gas)
Brokerage-Halton Heritage Realty Inc.
Cooling-Window Unit(s)
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone, Poured Concrete
Sewer-Sewer
Possession-TBD
Title-Residential Freehold

No agent assigned

Welcome to 147 Pearl Street! A charming and lovingly maintained semi-detached home that beautifully blends character with thoughtful updates. Built in 1890, this adorable 2-bedroom, 1-bath home offers warmth, character and plenty of living space. Entry from the fabulous covered front porch into a generous living room featuring beautiful 10-foot ceilings and laminate flooring. The laminate flooring continues throughout both bedrooms, the bathroom and bright eat-in kitchen. The kitchen offers plenty of white cabinetry, recessed lighting and a comfortable space for everyday meals. The main floor also offers the convenience of a dedicated laundry room with enough space for a walk-in pantry, additional storage and closet space. Direct access from the kitchen leads to a large wood deck with gas BBQ hookup, perfect for entertaining or relaxing outdoors. Parking for 2 cars and a fully fenced rear yard add to the appeal. An attached oversized storage shed provides additional space and convenient stair access to the basement, offering additional storage, utility room and a workbench for those little projects. Numerous updates provide peace of mind, including updated sewers and electrical in 2011, doors, soffits and eaves in 2017, and a new roof in 2020. Whether you're a first-time buyer, empty nester or investor, this home presents a wonderful opportunity in a convenient Brantford location, close to schools, public transit, local shops, restaurants and all the amenities you need. Adorable, inviting and full of character, this is one you'll want to see!

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

Closing Costs

Mortgage Amount
$319,920
Land Transfer Taxes$4,474
Legal Fees (Est.)
$
Total cash required for closing$85,954

Total Monthly Obligation

$2,172/mo
Mortgage $1,613
Monthly Loss $1,747
Principal$424
Interest$1,189
Property Tax$183
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.2%40
Cash-on-Cash
1.7%11
5-Year IRR
17.1%82
10-Year IRR
16.3%
Returns Index
45.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
34/ 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
$30,600/yr
NOI
$20,839/yr
Net Cash Flow
$123/mo
Cash Margin
4.8%12
Cash Flow Index
11.6/ 100
Risk Profile
Weight: 20%
DSCR
1.0833
LTV Ratio
80.0%18
Vacancy Buffer
4.3 mo75
Risk Index
42.1/ 100

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

Comparables

Properties near 147 Pearl Street

Time

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