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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
487 BLACK STREET
Centre Wellington (Fergus), ON N1M0A2
MLS® X14118376
42
Walk Score
34
Bike
$1,092,000
4 bed4.5 bath4 parking
42
Walk Score
34
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 52 x 105 FT
- Frontage
- 52 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $773
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning, Air exchanger
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Bedroom 4 | Second level | — |
| Laundry room | Second level | — |
| Partial bathroom | Main level | — |
| Den | Main level | — |
| Mud room | Main level | — |
| Great room | Main level | — |
| Kitchen | Main level | — |
| Study | Second level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
Visit the REALTOR website for further information about this Listing. Exquisite 4-Bedroom Executive Home in the Heart of Fergus - 3,614 Sq Ft of Refined Living. Welcome to this stunning, custom-designed residence nestled in one of Fergus's most desirable neighbourhoods. Spanning over 3,600 square feet of thoughtfully designed space, this 4-bedroom, 3.5-bathroom home offers the perfect blend of luxury, comfort, and functionality. Step through the impressive two-storey foyer and into the expansive main floor featuring 9-foot ceilings and upgraded hardwood flooring throughout. The heart of the home is the chef-inspired kitchen, showcasing custom cabinetry, a massive island with a dramatic waterfall quartz countertop, and ample storage - ideal for entertaining or everyday living. The open-concept layout flows seamlessly into the grand great room, where a sleek, modern linear fireplace creates a warm and inviting atmosphere. A versatile den on the main floor offers the perfect space for a home office or library. Upstairs, discover a spacious study and four generous bedrooms, including a luxurious primary suite complete with a large walk-in closet and a spa-like ensuite featuring a freestanding soaker tub, dual vanities, and a glass-enclosed shower. Additional features include upgraded hardwood in the second-floor hallways, a covered porch for enjoying the outdoors in any weather, and a large two-car garage with interior access. This meticulously crafted home offers the best of Fergus - small-town charm with upscale living. Don't miss your opportunity to own this exceptional property. (id:63161)
Listing Information
- MLS®
- X14118376
- Data last synced
- October 27, 2026
EASY LIST REALTY LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EASY LIST REALTY LTD.
MLS® Number: X14118376
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 Toronto Regional Real Estate Board.
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 (2)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.7% ($84,200) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$873,600.00
Periodic payment — Principal & Interest (monthly)$5,636.17
Additional monthly expenses (condo fees, tax, utilities, etc.)$64.42
Total monthly cost$5,700.59
Interest paid over 5-yr term$250,376.27
Balance at end of term$785,806.03
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$84,200
Stress test qualifying rate8.19%
Payment you must qualify for$7,814.22
Cash Needed at Closing
Minimum down payment$84,200
Estimated Land Transfer Tax (LTT)$18,315
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,015
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.
