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Property Type: Detached HouseOwnership: Freehold
240 PRINCE'S STREET
Centre Wellington (Fergus), ON N1M1X9
MLS® X14092454
74
Walk Score
41
Bike
$1,099,000
4 bed4.5 bath5 parking
74
Walk Score
41
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 45.1 x 180.7 FT
- Frontage
- 45.1 feet
R1B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,739 (2026)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning, Air exchanger
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Second level | — |
| Den | Basement | — |
| Bedroom 4 | Basement | — |
| Bathroom | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Laundry room | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
Beautifully updated interiors, generous living spaces and a backyard made for unwinding welcome you to 240 Prince's Street in Fergus. Built in 2007, with over 3000 finished, this inviting home blends timeless architectural details with thoughtful improvements, offering three spacious upstairs bedrooms, four bathrooms and a finished lower level with added bedroom/gym.An elegant staircase, graceful archways, California shutters and updated flooring create a warm first impression. Separate living and dining rooms provide space for quiet moments and special gatherings, while the family room with electric fireplace invites everyone to settle in. Renovated in 2022, the bright kitchen features quartz countertops, a custom island with seating, stainless steel appliances, a backsplash and custom range hood. Sliding doors connect indoor living with the backyard, and main-floor laundry adds everyday convenience.Upstairs, the generous primary retreat features a walk-in closet and five-piece ensuite with double sinks and a soaker tub. Two additional bedrooms offer comfortable space for family or guests. Downstairs, enjoy a welcoming recreation room with a gas fireplace, bar area, full bathroom and a separate gym or flexible hobby space.Set on an approximately 45 x 180-foot lot, the landscaped property offers mature trees, a deck, patio, hot tub, and room to play, garden or gather around the firepit. A powered workshop adds valuable space for projects and storage, complemented by an attached garage and parking for four vehicles in the driveway.Extensive improvements include roof shingles (2020), front and sliding doors (2022), engineered hardwood and a hardwood staircase (2022), a new driveway (2025), and updated lighting throughout. With its polished presentation and inviting outdoor setting, this is a home ready to enjoy in every season. (id:63159)
Listing Information
- MLS®
- X14092454
- 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: X14092454
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: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$478.25
Total monthly cost$6,150.55
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$84,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,863.07
Cash Needed at Closing
Minimum down payment$84,900
Estimated Land Transfer Tax (LTT)$18,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,855
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.
