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Property Type: Detached HouseOwnership: Freehold
29 KAY STREET
Stratford, ON N5A7R7
MLS® X13784914
$888,000
3 bed4 full, 2 half bath6 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 60 x 187 FT
- Frontage
- 60 feet
Residential 2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $8,296
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Ground level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Basement | — |
| Bedroom 4 | Basement | — |
| Bathroom | Basement | — |
| Utility room | Basement | — |
| Other | Basement | — |
| Kitchen | Ground level | — |
| Dining room | Ground level | — |
| Family room | Ground level | — |
| Office | Ground level | — |
| Laundry room | Ground level | — |
Description
Beautiful curb appeal, a mature landscaped lot and a location families will love - this home makes a wonderful first impression. Nestled in an established neighbourhood and conveniently located close to schools, this well-maintained home offers over 2,000 sq. ft. of thoughtfully designed living space, plus a fully finished basement. Inside, the timeless white kitchen and dining area are warmed by a fireplace and flow naturally out to the covered back porch overlooking the beautiful backyard - a perfect extension of the living space for morning coffee, summer evenings and entertaining. Generous additional living areas provide plenty of room for everyday family life. Upstairs you'll find three spacious bedrooms, including an impressive primary suite with ensuite, while the finished lower level offers a large recreation area, flexible living space, plenty of storage and laundry. Outside, this property truly shines. The mature landscaping and beautifully established lot create a setting that is increasingly hard to find. The backyard feels like a private oasis, surrounded by mature trees and beautiful wrought-iron fencing, with plenty of room to relax, entertain and enjoy the outdoors. An attached double garage adds even more convenience. A beautifully maintained home, an outstanding yard and a wonderful location close , shopping, river and all Stratford's beautiful Festival City. (id:63159)
Listing Information
- MLS®
- X13784914
- Data last synced
- September 15, 2026
Royal LePage Heartland Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Heartland Realty
MLS® Number: X13784914
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: 6 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: 7.2% ($63,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$710,400.00
Periodic payment — Principal & Interest (monthly)$4,583.26
Additional monthly expenses (condo fees, tax, utilities, etc.)$691.33
Total monthly cost$5,274.59
Interest paid over 5-yr term$203,602.68
Balance at end of term$639,007.10
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$63,800
Stress test qualifying rate8.19%
Payment you must qualify for$6,390.63
Cash Needed at Closing
Minimum down payment$63,800
Estimated Land Transfer Tax (LTT)$14,235
Legal / closing costs (typical estimate)$1,500
Total cash needed$79,535
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.
