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Property Type: Detached HouseOwnership: Freehold
409 MORNINGTON STREET
Stratford, ON N5A5G7
MLS® X14015678
$799,000
3 bed3 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 95 x 115 FT
- Frontage
- 95 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,060 (2025)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Other
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Family room | Main level | — |
| Laundry room | Main level | — |
| Bedroom 3 | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom | Second level | — |
Description
Welcome to Bedford Ward! Beautifully maintained and thoughtfully designed, this spacious two-storey family home with an addition offers the perfect blend of comfort, functionality, and outdoor enjoyment in one of Stratford's most desirable neighbourhoods.Offering three bedrooms, including a generous primary suite with private ensuite, this home is ideal for growing families and those who love to entertain. The bright, functional kitchen comes complete with appliances and provides plenty of space for family meals and special gatherings. The inviting living room, featuring a cozy gas fireplace, creates the perfect setting to relax and unwind, while convenient main-floor laundry adds to the home's everyday appeal.Step outside to your own private backyard retreat! The fully fenced yard features a heated inground pool, with the liner and filter replaced in 2024, making it the perfect setting for summer barbecues, poolside entertaining, and creating lasting memories with family and friends.The detached garage adds exceptional versatility, offering space for parking, additional storage, hobbies, or the ultimate workshop or man cave.Location is another standout feature, with close proximity to the Stratford Rotary Complex, farmers' market, parks, local high schools, and highly regarded French immersion schooling.A wonderful opportunity to enjoy spacious family living, a fantastic backyard, and an exceptional Bedford Ward location-all in one inviting package! (id:63161)
Listing Information
- MLS®
- X14015678
- Tax assessment year
- 2025
- Data last synced
- October 25, 2026
Sutton Group - First Choice Realty Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Sutton Group - First Choice Realty Ltd.
MLS® Number: X14015678
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: 5 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% ($54,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,200.00
Periodic payment — Principal & Interest (monthly)$4,123.90
Additional monthly expenses (condo fees, tax, utilities, etc.)$505.00
Total monthly cost$4,628.90
Interest paid over 5-yr term$183,196.56
Balance at end of term$574,962.47
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,769.56
Cash Needed at Closing
Minimum down payment$54,900
Estimated Land Transfer Tax (LTT)$12,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,855
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.
