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Property Type: Detached HouseOwnership: Freehold
39 KAY Street
Stratford, ON N5A7R7
MLS® 40861849
$799,900
4 bed3.5 bath4 parking2,761 sqftBuilt 1988
Property Details
Property & Lot
- Sub-type
- House
- Style
- Cape Cod
- Stories
- 2
- Lot size
- 0.17 acres
- Frontage
- 61 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,050
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Basement | — |
| Recreation room | Basement | 26'7'' x 16'9'' |
| Bedroom | Basement | 8'8'' x 10'9'' |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 13'3'' x 14'6'' |
| Bedroom | Main level | 13'3'' x 11'7'' |
| Primary Bedroom | Second level | 10'4'' x 18'7'' |
| Kitchen | Main level | 9'11'' x 11'4'' |
| Family room | Main level | 14'10'' x 13'1'' |
| Living room | Main level | 13'0'' x 13'2'' |
| Dining room | Main level | 11'7'' x 17'4'' |
| 2pc Bathroom | Main level | — |
Description
Welcome to 39 Kay Street, a charming Cape Cod-style home tucked away at the top of a quiet, no-traffic cul-de-sac in picturesque Stratford, a city known for its renowned theatre, historic downtown, restaurants, shops and beautiful parks and trails. Surrounded by mature trees and beautifully landscaped gardens, this inviting 3-bedroom, 2.5-bath home offers a wonderful blend of character, comfort and thoughtful updates. The main level features and updated kitchen with ample cabinetry and the large windows allow ample natural light with views to the outdoors. The hardwood floors flow to the family room with gas fireplace and convenient walkout to the backyard. The finished basement provides excellent additional living space with a spacious recreation room with gas fireplace, home office and a versatile room that could serve as a 4th bedroom. Outside, the extensive front and rear landscaping features an impressive selection of low-maintenance perennials, while the private backyard and multi-tiered deck create a peaceful setting for relaxing or entertaining. Book your private showing today and make this home your own! (id:63159)
Listing Information
- MLS®
- 40861849
- Data last synced
- October 20, 2026
RE/MAX SOLID GOLD REALTY (II) LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX SOLID GOLD REALTY (II) LTD.
MLS® Number: 40861849
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$290/sqft
Building average
—
No other active listings in this building
22 - Stratford average
$400/sqft
25 active listing(s)
Parking: 4 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: 6.9% ($54,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,920.00
Periodic payment — Principal & Interest (monthly)$4,128.55
Additional monthly expenses (condo fees, tax, utilities, etc.)$725.50
Total monthly cost$4,854.05
Interest paid over 5-yr term$183,402.91
Balance at end of term$575,610.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.84
Cash Needed at Closing
Minimum down payment$54,990
Estimated Land Transfer Tax (LTT)$12,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,963
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.
