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Property Type: TownhouseOwnership: Freehold
452 ST ANDREW STREET W
Centre Wellington (Fergus), ON N1M1P3
MLS® X13863378
$549,999
2 bed2 bath2 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 14.1 x 100.2 FT
- Frontage
- 14.1 feet
C1
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $2,630.45 (2025)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bathroom | Second level | — |
Description
Situated steps from the Grand River, this charming circa-1860 stone townhome is located in the heart of downtown Fergus. Originally constructed as a Grist Mill, this stone block building has stood the test of time and is now your opportunity to own a little piece of Fergus History. This 2-bedroom, 2-bath townhouse blends original stone walls and exposed wooden beans with comfortable everyday living in one of Fergus' most central locations. Inside, wide-plank wood floors, exposed stone, tall windows and warm architectural finishes create a home that feels genuinely unique. The main level offers a welcoming living room, separate dining area and functional kitchen, along with a 3-piece bath. Upstairs are two bedrooms and a second 3-piece bath, while the lower level provides laundry, utility and generous storage space. Out back, a private deck and mature trees provide a quiet place to relax just steps from the energy of downtown. Walk to shops, restaurants, cafés, the Grand River and everything that makes Fergus such a special place to call home. With its unmistakable stone exterior, historic character and central location, 452 St. Andrew Street West offers something increasingly hard to find in arguably one of Ontario's most picturesque towns. (id:63161)
Listing Information
- MLS®
- X13863378
- Tax assessment year
- 2025
- 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: X13863378
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: 5.5% ($30,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,999.00
Periodic payment — Principal & Interest (monthly)$2,838.72
Additional monthly expenses (condo fees, tax, utilities, etc.)$219.20
Total monthly cost$3,057.93
Interest paid over 5-yr term$126,104.98
Balance at end of term$395,780.52
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$30,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,031.94
Cash Needed at Closing
Minimum down payment$30,000
Estimated Land Transfer Tax (LTT)$7,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,975
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.
