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Property Type: Detached HouseOwnership: Freehold
106 RYAN STREET
Centre Wellington (Fergus), ON N1M0E4
MLS® X13874014
$1,224,900
4 bed4.5 bath6 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 54.8 x 190 FT
- Frontage
- 54.9 feet
R1C
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,321.24 (2026)
Interior
- Basement
- Unfinished, Full, Separate entrance, Walk-up, N/A, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Mud room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
Description
A true DREAM HOME! Prepare to be impressed by this large 2 storey with your own PRIVATE RESORT BACKYARD. Offering 4 Beds, 4 Baths and 2600sqft on an enormous lot, there is space for everyone. Impressive curb appeal with tasteful landscaping & charming front porch with stone accents first greets you upon arrival. Once inside the generous foyer with curved oak staircase leads you to the large open concept formal living/dining room with hardwood, potlights and large windows. The heart of the home is the expansive upgraded kitchen. Here you'll find SS appliances, quartz counters, tasteful backsplash & the biggest island you could imagine complete with separate beverage fridge. Open concept to the main floor family room with hardwood, builtins and gas fireplace provides for easy living. You'll be amazed by the views over your own private oasis yard from the back of this exquisite home. A+ mud room with builtins. The second floor features 4 huge bedrms, all with ensuite privileges. 2 bedrms have private ensuites & 2 share a jack-and-jill bath. The primary suite is second to none with walkin closet & spa-like ensuite with large soaker tub, spacious glass + tile walkin shower plus double sinks. Second floor laundry completes this impressive level. The basement is waiting for your ideas with large windows, a full bath roughin plus SEPARATE WALK UP ENTRY for all kinds of possibilities (in-law suite or multi-generational living?). Even the garage here is premium! Enlarged to be significantly bigger than a typical double garage & fully drywalled. If all this isn't enough, the backyard is truly jaw dropping. Here you'll soak in the lap of luxury with a private inground pool with waterfall fire feature wall, waterfall hot tub, fire pit, covered outdoor kitchen with builtin appliances, generous patio area, large pool shed + huge lot with the right amount of grass space. Massive concrete driveway fits 4+ cars. Situated in a quiet ideal neighbourhood. This is a must see! (id:63159)
Listing Information
- MLS®
- X13874014
- Tax assessment year
- 2026
- Data last synced
- October 20, 2026
RE/MAX Real Estate Centre Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc
MLS® Number: X13874014
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®.
Location Insights
Weather
Nearest station: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Grocery (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 8.0% ($97,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$979,920.00
Periodic payment — Principal & Interest (monthly)$6,322.11
Additional monthly expenses (condo fees, tax, utilities, etc.)$610.10
Total monthly cost$6,932.21
Interest paid over 5-yr term$280,847.89
Balance at end of term$881,441.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$97,490
Stress test qualifying rate8.19%
Payment you must qualify for$8,741.64
Cash Needed at Closing
Minimum down payment$97,490
Estimated Land Transfer Tax (LTT)$20,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$119,963
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.
