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Property Type: Detached HouseOwnership: Freehold
225 ELORA STREET
Centre Wellington (Fergus), ON N1M1Y9
MLS® X13767152
$875,000
3 bed3.5 bath10 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 60 x 180 FT
- Frontage
- 60 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,714 (2025)
Interior
- Basement
- Partially finished, Full
- Heating
- Baseboard heaters, Forced air, Electric, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Eating area | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
Description
Timeless character meets everyday convenience with this stately brick home. This property has the best of both worlds. Out front - the location is ideally situated steps to shopping, restaurants, schools, parks and all amenities you and your family may need. Step out back, however, and all that disappears. A large, mature, private backyard awaits whether you are hosting summer gatherings, creating a garden oasis, or simply enjoying your morning coffee on the expansive deck, this yard offers that rare escape while still having that convenient location. Inside, the home offers generously sized rooms, high ceilings, and an abundance of natural light, providing that space and character that is not found in newer construction. The main floor has a large kitchen, stately dining room and two separate living spaces; one more formal and the other in a massive addition at the rear of the home. Head upstairs to find three bedrooms and two full bathrooms. A primary ensuite? Very rare in a home of this era. The lower level has a cozy rec room to round off the interior of the home. Double car garage, tons of parking and extra workshop space are just a few more extras that this home checks off on your wish list. Spacious, private, charming and full of possibilities - this is a home with a story to tell and plenty of room for yours to continue. With just a few of your touches this absolutely could be THE ONE for you and your family. Book your viewing today. (id:63159)
Listing Information
- MLS®
- X13767152
- Tax assessment year
- 2025
- Data last synced
- October 18, 2026
Keller Williams Home Group Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty
MLS® Number: X13767152
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: 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 (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($62,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$700,000.00
Periodic payment — Principal & Interest (monthly)$4,516.16
Additional monthly expenses (condo fees, tax, utilities, etc.)$476.17
Total monthly cost$4,992.33
Interest paid over 5-yr term$200,622.01
Balance at end of term$629,652.26
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$62,500
Stress test qualifying rate8.19%
Payment you must qualify for$6,299.91
Cash Needed at Closing
Minimum down payment$62,500
Estimated Land Transfer Tax (LTT)$13,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$77,975
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.
