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Property Type: TownhouseOwnership: FreeholdNEW LISTING
487 ST ANDREW STREET E
Centre Wellington (Fergus), ON N1M3V6
MLS® X14124736
$649,900
2 bed3.5 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 22.1 x 185.2 FT
- Frontage
- 22.1 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $5,233.32
Interior
- Basement
- Finished, Partial
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bedroom 2 | Main level | — |
| Laundry room | Main level | — |
| Recreational, Games room | Basement | — |
Description
Welcome to this beautifully maintained freehold townhome offering comfortable living, stunning views, and a great location. Enjoy picturesque views of the Grand River and Confederation Park from the front balcony and primary bedroom, creating a peaceful backdrop to your everyday life. The thoughtfully designed layout features two spacious bedrooms, each with its own private ensuite, a rare feature to find. Step outside to the backyard and enjoy incredible gardens filled with - a perfect spot to relax and unwind. Location is truly a highlight. Enjoy the convenience of being within walking distance to all the amenities downtown Fergus has to offer. Outdoor enthusiasts will appreciate the numerous nearby walking trails, including the scenic Cataract Trail. Looking to explore the surrounding area or have to commute? The home offers easy access to Kitchener-Waterloo, Cambridge, and Guelph. Additionally, just a short drive to beautiful Elora and the amazing things it has to offer. This is a wonderful opportunity to enjoy a low-maintenance lifestyle in a fantastic community setting. (id:63161)
Listing Information
- MLS®
- X14124736
- Data last synced
- October 29, 2026
Keller Williams Home Group Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty
MLS® Number: X14124736
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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$436.11
Total monthly cost$3,790.46
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
