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Property Type: Detached HouseOwnership: Freehold
223 KEMP CRESCENT
Stratford, ON N5A6Z5
MLS® X13616886
$649,900
3 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 65.1 FT
- Frontage
- 65.1 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,711.2 (2025)
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Lower level | — |
| Den | Lower level | — |
| Recreational, Games room | Lower level | — |
| Utility room | Lower level | — |
Description
Nestled in a charming neighborhood at 223 Kemp Crescent, Stratford, Ontario, this delightful 3-bedroom home is an ideal blend of comfort and modern living. The property features a fully fenced yard, perfect for families or pet lovers, ensuring both privacy and security. A standout feature is the expansive two-tiered deck, which invites outdoor gatherings and summer barbecues, enhancing the enjoyment of the beautifully surroundings & mature trees. Inside, the spacious kitchen is a culinary enthusiast's dream, equipped with stainless steel appliances and ample counter space that allows for effortless meal preparation and entertaining. The main floor boasts three well-appointed bedrooms, providing a cozy retreat for family members or guests. For added convenience, there's a full bath and a half bath, streamlining daily routines. The attached garage offers protection for vehicles and extra storage space. Additionally, the lower level presents potential for a fourth bedroom, catering to growing families or those in need of a dedicated office space. A large family room in the lower level creates a perfect space for relaxation and entertainment, making it the heart of the home. Stratford itself adds to the allure of this property, boasting rich cultural experiences, including the renowned Stratford Festival, which draws theater lovers from around the globe. The city is also celebrated for its picturesque parks, charming downtown area filled with boutique shops and cafes, and a vibrant culinary scene. With excellent schools, recreational facilities, and community events, Stratford offers a welcoming atmosphere for families and individuals alike. This home is not just a place to live; it's an invitation to experience the best of Stratford living, combining comfort, community, and convenience in one perfect package. (id:63159)
Listing Information
- MLS®
- X13616886
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
Royal LePage Heartland Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Heartland Realty
MLS® Number: X13616886
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:
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$392.60
Total monthly cost$3,746.95
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
