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Property Type: Detached HouseOwnership: Freehold
470 PERTH STREET
Centre Wellington (Fergus), ON N1M2S7
MLS® X13846956
$749,000
2 bed1 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 60 x 89 FT
- Frontage
- 60 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,120.62 (2026)
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Office | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Laundry room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to 470 Perth, a truly charming and thoughtfully updated century stone home in historic Fergus. Set on a quiet street just steps from downtown, you're within easy walking distance of Fergus' shops, restaurants, parks, and everything that makes the village so charming. With its historic stone buildings, vibrant community, and beautiful riverfront, Fergus offers the best of small-town living, while still providing easy access to Guelph, Kitchener-Waterloo, and the GTA. 470 Perth has so much to offer. The open-concept main floor offers a bright, modern kitchen with quartz countertops, a large island, and welcoming living and dining spaces. A separate office or den adds flexibility, while the light filled laundry/mudroom addition is a stand out feature with built-in storage and a pet door to the fully fenced backyard. Upstairs are two spacious bedrooms with great storage and a four-piece bath. Outside, mature trees and gardens create a private backyard oasis with plenty of space to relax or entertain. (id:63159)
Listing Information
- MLS®
- X13846956
- Tax assessment year
- 2026
- Data last synced
- October 3, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X13846956
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: 6.7% ($49,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$599,200.00
Periodic payment — Principal & Interest (monthly)$3,865.84
Additional monthly expenses (condo fees, tax, utilities, etc.)$343.39
Total monthly cost$4,209.22
Interest paid over 5-yr term$171,732.44
Balance at end of term$538,982.34
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$49,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,420.64
Cash Needed at Closing
Minimum down payment$49,900
Estimated Land Transfer Tax (LTT)$11,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,855
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.
