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Property Type: Detached HouseOwnership: Freehold
54 ELLIOT AVENUE E
Centre Wellington (Fergus), ON N1M0G9
MLS® X13802032
$849,900
3 bed4.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 39 x 111.6 FT
- Frontage
- 39 feet
R1C.66.1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,360 (2026)
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Other | Second level | — |
| Bathroom | Basement | — |
| Living room | Basement | — |
| Kitchen | Basement | — |
| Other | Basement | — |
| Foyer | Main level | — |
| Great room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
Welcome home to this beautifully maintained, move-in-ready 2-storey, 3-bedroom home offering over 1,930 sq. ft. of comfortable living space in a charming country town. The bright, open main floor features large windows, a convenient powder room and an inviting layout designed for easy family living. Upstairs, you'll find three spacious bedrooms and two full bathrooms, including a generous primary suite with a large walk-in closet. The fully finished lower level offers incredible flexibility with an in-law/granny suite featuring a kitchen, bathroom, Murphy bed and generous storage-ideal for extended family, guests, a home office or additional living space. Freshly painted and thoughtfully maintained, this home is ready for you to simply unpack and enjoy, with a double garage and generous driveway providing plenty of parking and storage. Step outside and discover a pie-shaped lot with beautiful established flower gardens, a lovely brick patio and a large 11' x 17' shed--a wonderful setting for morning coffee, entertaining family and friends, gardening or simply enjoying the outdoors. The spacious shed provides excellent storage and a great space for hobbies, projects or a workshop. Located in a welcoming, family-oriented neighbourhood, you're just a short distance from the public school, hospital and park, with a new school nearby and green space right across the street. Offering space, flexibility, beautiful outdoor areas and a convenient location, this is the kind of home where families can settle in, grow and create lasting memories. Flexible closing available-come see it for yourself and discover your next chapter here. (id:63161)
Listing Information
- MLS®
- X13802032
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
HomeLife Power Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HomeLife Power Realty Inc
MLS® Number: X13802032
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
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($59,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$679,920.00
Periodic payment — Principal & Interest (monthly)$4,386.61
Additional monthly expenses (condo fees, tax, utilities, etc.)$446.67
Total monthly cost$4,833.28
Interest paid over 5-yr term$194,867.03
Balance at end of term$611,590.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$59,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,124.76
Cash Needed at Closing
Minimum down payment$59,990
Estimated Land Transfer Tax (LTT)$13,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,963
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.
