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Property Type: Detached HouseOwnership: Freehold
298 CAMERON STREET N
Centre Wellington (Fergus), ON N1M2G1
MLS® X14087956
$624,900
3 bed1 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 63.1 x 100.3 FT
- Frontage
- 63.1 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,744.84 (2026)
Interior
- Basement
- Partially finished, Walk out, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Foyer | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Second level | — |
| Family room | Lower level | — |
| Kitchen | Lower level | — |
| Utility room | Lower level | — |
Description
Welcome to 298 Cameron Street, Fergus. This charming home with inviting covered front porch is on a mature lot in a desirable location, just steps from a park and conveniently close to downtown amenities. The main floor features two bedrooms, a comfortable living room and a updated 3 piece bathroom. An additional bedroom on the upper level provides extra space for family, guests or a home office. The partially finished basement offers a family room and an eat-in kitchen with a walkout to the side yard. Enjoy the privacy of the mature setting perfect for relaxing outdoors. A great opportunity to own a home in an established neighbourhood close to parks, shopping and downtown Fergus. (id:63161)
Listing Information
- MLS®
- X14087956
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
Keller Williams Home Group Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty
MLS® Number: X14087956
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: 6.0% ($37,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$499,920.00
Periodic payment — Principal & Interest (monthly)$3,225.31
Additional monthly expenses (condo fees, tax, utilities, etc.)$312.07
Total monthly cost$3,537.38
Interest paid over 5-yr term$143,278.51
Balance at end of term$449,679.66
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$37,490
Stress test qualifying rate8.19%
Payment you must qualify for$4,554.62
Cash Needed at Closing
Minimum down payment$37,490
Estimated Land Transfer Tax (LTT)$8,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$47,963
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.
