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Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED
395 STRATHALLAN STREET
Centre Wellington (Fergus), ON N1M3L3
MLS® X14106162
46
Walk Score
45
Bike
$559,900
2 bed2.5 bath2 parking
46
Walk Score
45
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 32.5 x 104 FT
- Frontage
- 32.6 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,913 (2026)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Main level | — |
| Bathroom | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
| Recreational, Games room | Basement | — |
| Office | Basement | — |
| Utility room | Basement | — |
| Other | Basement | — |
| Laundry room | Basement | — |
Description
Welcome to easy living in the heart of Fergus! This well-maintained bungalow is the perfect fit for first-time buyers, downsizers, or anyone looking for comfortable, low-maintenance living. Offering 2 bedrooms and 2bathrooms, this home has been lovingly cared for and is move-in ready. The bright, functional main floor is complemented by a finished lower level featuring a family room, playroom, home office, and convenient laundry area, providing plenty of flexible space for growing families, hobbies, or working from home. Step outside to a private, fully fenced backyard with low-maintenance landscaping, creating the perfect space to relax, entertain, or simply enjoy the outdoors. Outdoor enthusiasts will appreciate being just minutes from the scenic Cataract Trail, for hiking, biking, and enjoying nature. Located close to parks, shopping, schools, and everyday amenities, this is a wonderful opportunity to enjoy all that this vibrant community has to offer. (id:63161)
Listing Information
- MLS®
- X14106162
- 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: X14106162
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 (3)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.5% ($30,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$447,920.00
Periodic payment — Principal & Interest (monthly)$2,889.83
Additional monthly expenses (condo fees, tax, utilities, etc.)$242.75
Total monthly cost$3,132.58
Interest paid over 5-yr term$128,375.16
Balance at end of term$402,905.49
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$30,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,101.03
Cash Needed at Closing
Minimum down payment$30,990
Estimated Land Transfer Tax (LTT)$7,673
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,163
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.
