Property Type: Detached HouseOwnership: Freehold

103 GAY Crescent

Kitchener, BC N2A2C2

$699,900

3 bed3.5 bath3 parking1,975 sqftBuilt 1968
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
56 feet

R2A

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,682

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Brick, Vinyl siding
Fencing
Fence

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
3 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
StorageBasement5'1'' x 7'4''
StorageBasement6'6''
StorageBasement10'7'' x 23'5''
OtherBasement14'11'' x 11'2''
Laundry roomBasement22'1'' x 11'1''
3pc BathroomBasement
Primary BedroomSecond level11'5'' x 14'11''
BedroomSecond level10'9'' x 11'6''
BedroomSecond level14'0'' x 9'11''
4pc BathroomSecond level
Eat in kitchenMain level11'5'' x 11'5''
OfficeMain level11'11'' x 10'4''
2pc BathroomMain level

Listing Information

MLS®
40847105
Listed
September 3, 2026
Time on market
On the market for 11 days
Data last synced
September 15, 2026

Listing provided by: Peak Realty Ltd. · Data source: CREA DDF.

Description

Welcome to this beautifully updated 3-bedroom, 3-bathroom home tucked away on a quiet crescent in Kitchener’s fantastic Stanley Park neighbourhood! The main floor features hardwood flooring throughout (except the office), a dedicated home office, and an updated kitchen with quartz countertops, a 5-burner gas stove, Samsung refrigerator and over-the-range microwave. Updated windows bring in plenty of natural light, while sliders lead directly to the deck and backyard. Corner gas fireplace in living room. Roof 2018, Windows 2015/2016 Downstairs, you’ll find a finished basement with second gas fireplace. Outside, enjoy a fully fenced yard, deck and hot tub, perfect for relaxing or entertaining. Plus, there’s a garage with remote opener and a concrete driveway. UPDATES: Windows replaced last 10 years (Centennial Windows), Front Bay Window Replaced – 2018 (Bavarian), Roof – 2018 Exterior Painted – 2022, Back French Door added (not original to the home.) Kitchen Updated – 2022 (Cerwood Custom Kitchen) with Gas Stove, Updated Electrical Panel – 2024, Bathroom Tub and Vanity – 2018, Bedroom Doors – 2022 Furnace and Ducts Cleaned, Basement Bath – 2025, Interior paint 2026, Concrete Driveway installed and widened – 2022 (id:63159)

Values & Trends

This listing

$354/sqft

Building average

No other active listings in this building

226 - Stanley Park/Centreville average

$398/sqft

15 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

Nearest station: Guelph

13°C

Humidity 88%

Wind SE 2 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

25°

Thursday night

13°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

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 (strata, tax, utilities, etc.)$489.17
Total monthly cost$4,101.58
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 rate8.09%
Payment you must qualify for$5,036.03

Cash Needed at Closing

Minimum down payment$44,990
Estimated BC PTT$11,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,488

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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