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Property Type: Detached HouseOwnership: Freehold
46 FORD DRIVE
Stratford, ON N5A0L3
MLS® X13698498
$699,900
4 bed3.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 36.4 x 104.9 FT
- Frontage
- 36.4 feet
R1(5)-31
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $0
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 4 | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
Description
There's something special about a brand new home that's already waiting for you. No construction timelines, no imagining what it might become - just the opportunity to walk through the door and immediately picture your life here. Light, bright, and beautifully finished, this newly constructed Stratford home was designed with everyday living in mind. Natural light pours throughout the space, highlighting the airy finishes and creating a home that feels fresh, warm, and welcoming from the moment you step inside. The carpet-free main floor centres around afunctional open-concept kitchen, dining, and living space - the kind of layout that simply makes sense. The upgraded kitchen feels polished yet practical, with plenty of room for busy mornings, casual dinners, and evenings spent gathered with family and friends. From the kitchen to the dining area and into the living room, everything flows effortlessly while still giving each space its own purpose. A separate side entrance and upgraded basement windows create exciting possibilities for the lower level in the future - whether that means additional living space, a home office, room for extended family, or simply more space to grow into over time. Outside, fresh sod and a completed asphalt driveway put the finishing touches on the property, giving you the rare simplicity of a new home where the big pieces are already taken care of. And then there's the location. Set within a growing Stratford community close to everyday amenities, schools, shopping, restaurants, and everything that makes this city such an easy place to call home. Some homes impress you with a long list of features. Others just *feel right* when you walk through the door. With its abundance of natural light, upgraded finishes, functional floor plan, and future potential, this is a home designed not only for how you want to live today - but for wherever life takes you next. (id:63161)
Listing Information
- MLS®
- X13698498
- Data last synced
- October 22, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X13698498
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 Toronto Regional Real Estate Board.
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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$0.00
Total monthly cost$3,612.41
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
