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Property Type: Detached HouseOwnership: Freehold
497 ST PATRICK STREET E
Centre Wellington (Fergus), ON N1M1N1
MLS® X13738278
$610,000
3 bed2.5 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 41.7 x 127.3 FT
- Frontage
- 41.8 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,165 (2025)
Interior
- Basement
- Partially finished, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Family room | Basement | — |
| Utility room | Basement | — |
| Bathroom | Basement | — |
Description
Welcome home to this beautiful updated all brick, semi-detached 2-storey home ideally situated on a quiet tree lined street in Fergus. Featuring 3 bedrooms and 2 bathrooms, this bright and airy home has been thoughtfully remodelled with kitchen, windows and flooring creating a welcoming atmosphere that feels move in ready. Step outside to enjoy the large fully fenced backyard- perfect for relaxing or entertaining, or enjoying time with family. The spacious deck provides space for outdoor dining, while the grassy yard offers plenty of room to play and unwind. Two sheds provide additional storage. Conveniently located close to Sportsplex, library, parks, schools, shops, restaurants and amenities of downtown Fergus. This home offers a perfect blend of comfort, style and location. (id:63159)
Listing Information
- MLS®
- X13738278
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13738278
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 (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.9% ($36,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$488,000.00
Periodic payment — Principal & Interest (monthly)$3,148.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$263.75
Total monthly cost$3,412.16
Interest paid over 5-yr term$139,862.20
Balance at end of term$438,957.58
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$36,000
Stress test qualifying rate8.19%
Payment you must qualify for$4,450.65
Cash Needed at Closing
Minimum down payment$36,000
Estimated Land Transfer Tax (LTT)$8,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,175
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.
