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Property Type: Detached HouseOwnership: Freehold
104 SIDEROAD 18 ROAD
Centre Wellington (Fergus), ON N1M2W3
MLS® X13615522
$700,000
4 bed3.5 bath10 parking
Amenities
Also listed: Separate Heating Controls, Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 100 x 250.3 FT ; 200.25 x 50.10 x 100.12 x 200.09 x 100
- Frontage
- 100 feet
R
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,032.16 (2025)
Interior
- Basement
- Unfinished, Full
- Heating
- Radiant heat, Natural gas
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Laundry room | Main level | — |
| Living room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Family room | Second level | — |
| Bedroom 4 | Second level | — |
Description
Not every home is move-in ready, but some properties offer something even more valuable: opportunity. Welcome to 104 Sideroad 18 in Fergus, a rare chance to own a 4-bedroom, 2.5-bathroom detached home set on nearly 0.7 acres in one of Centre Wellington's most established and sought-after neighbourhoods. Surrounded by mature trees on an oversized lot that's becoming increasingly difficult to find, this property offers incredible potential for buyers with vision. Inside, you'll find a layout that's hard to replicate today, featuring soaring ceilings, expansive windows that fill the home with natural light, skylights overlooking the elegant dual staircase, large principal rooms, multiple living areas, and a spacious mezzanine that adds character and flexibility. The home also offers four generous bedrooms, including a primary suite with its own ensuite, providing an outstanding foundation for a stunning renovation or personalized redesign. Recent improvements including a new fireplace, newFrench doors leading to the brand-new deck, updated bathroom (excluding the shower), new electrical panel, paved driveway, and updated eavestroughs (approx. 3 years), add value while leaving plenty of opportunity to make the home your own. The oversized garage includes a large storage area beneath with direct, stair-free access, plus a heavy-duty come-along hoist for hobbyists or workshop enthusiasts. This lot provides privacy and possibilities to create your dream outdoor retreat, or simply enjoy the surroundings. Located just minutes from parks, schools, Groves Memorial Community Hospital, medical centres, shopping, restaurants, and with convenient access to Guelph and Kitchener-Waterloo, this is more than just a home, it's an opportunity to unlock the full potential of an incredible property in one of Fergus's most desirable locations. Some people see work. Others see opportunity. If you're the second kind of buyer, this might just be the property you've been waiting for. (id:63161)
Listing Information
- MLS®
- X13615522
- Tax assessment year
- 2025
- Data last synced
- October 21, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X13615522
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.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (2)
Similar Listings Nearby
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6 m away
Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($45,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$560,000.00
Periodic payment — Principal & Interest (monthly)$3,612.93
Additional monthly expenses (condo fees, tax, utilities, etc.)$586.01
Total monthly cost$4,198.94
Interest paid over 5-yr term$160,497.61
Balance at end of term$503,721.81
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$45,000
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.70
Cash Needed at Closing
Minimum down payment$45,000
Estimated Land Transfer Tax (LTT)$10,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,975
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.
