98 Kay Crescent, Fergus, ON N1M 0G2
Listed by Andra Arnold • Royal LePage Royal City Realty
98 Kay Crescent , Fergus, ON N1M 0G2
$ 799,999
Bed Rooms
3
Bath Rooms
4
SqFt
1,598
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Virtual Tour
47 photos
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Year Built
2017
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$500
Car Garage
1.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active Under Contract
Purchase Type
For Sale
Square Footage
1,598 sqft
MLS Listing ID
40847448
Style
Traditional
Bedrooms
3
Full Baths
3
Half Baths
1
Abv Grd Liv Area
2,123
Annual Tax Amount
$4,483
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Wellington
Area
Centre Wellington
Zoning
RL.3
Direction
Gartshore ST to Middleton Ave to Kay Crescent
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished, Sump Pump
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Forced Air
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Electric, Recreation Room
Fireplace
Yes
Appliance
Water Softener, Dishwasher, Dryer, Gas Stove, Range Hood, Refrigerator, Washer
Exterior
Exterior Feature
Landscaped
Parking Features
Attached Garage, Garage Door Opener
Fence
Full
Roof Type
Asphalt Shing
Porch
Deck
Lot Frontage
32.19
Lot Depth
104.95
Garage
Yes
Building
Lot Description
Urban, Cul-De-Sac, Dog Park, Hospital, Landscaped, Open Spaces, Park, Quiet Area, School Bus Route, Trails
Faces
Gartshore ST to Middleton Ave to Kay Crescent
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Stone,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
711300281
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/98_kay_cres_fergus_on
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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