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Property Type: Condo / ApartmentOwnership: Condominium
306 - 478 ST ANDREW STREET E
Centre Wellington (Fergus), ON N1M3V7
MLS® X13876426
$675,000
2 bed3.5 bath2 parking
Amenities
Visitor Parking
Also listed: Storage - Locker, Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Apartment
- Stories
- 2
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $1,409/mo
- Annual property tax
- $5,105.43
Maintenance Fee Includes
Water
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom 2 | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Den | Main level | — |
| Family room | Second level | — |
| Bathroom | Main level | — |
| Bathroom | Main level | — |
| Bathroom | Second level | — |
Description
Experience the charm of exposed stone walls, dramatic wood beams, soaring ceilings, and panoramic riverviews in one of Fergus's most distinctive penthouse residences.This exceptional suite offers unobstructedviews of the Grand River. Elevated above it all, this architecturally distinctive home seamlessly blendscharacter, comfort, and sophistication in a truly unique setting.The main floor boasts an open-conceptdesign, with the kitchen flowing effortlessly into the dining and living areas. The living room is highlightedby European-style casement windows that frame stunning river views while providing exceptional naturallight and ventilation.The main level features two spacious bedrooms, including a serene primary retreatwith picturesque river views and a luxurious five-piece ensuite. The second bedroom is generously sizedand offers ample closet space.A versatile den, complete with a skylight, large closet, and built-in Murphybed, provides the flexibility to serve as a guest room, home office, or additional living space.Upstairs, theloft offers a striking blend of function and character, featuring oversized windows, custom floor-to-ceilingbookcases, a discreetly tucked-away powder room, and the added convenience of a chairlift. From here,step out onto the private rooftop patio and enjoy panoramic views and exceptional outdoor living above theriver.Additional features include in-suite laundry, abundant storage throughout, a large lower-level storagelocker, and the rare convenience of a private two-car garage.Refined yet inviting, elevated yet comfortable,this one-of-a-kind penthouse presents a rare opportunity to experience luxury riverside living in the heartof Fergus. (id:63159)
Listing Information
- MLS®
- X13876426
- Data last synced
- October 10, 2026
Coldwell Banker Neumann Real Estate
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Neumann Real Estate
MLS® Number: X13876426
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 (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.3% ($42,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$540,000.00
Periodic payment — Principal & Interest (monthly)$3,483.90
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,834.45
Total monthly cost$5,318.35
Interest paid over 5-yr term$154,765.55
Balance at end of term$485,731.75
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$42,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,904.24
Cash Needed at Closing
Minimum down payment$42,500
Estimated Land Transfer Tax (LTT)$9,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$53,975
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.
