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Property Type: Detached HouseOwnership: Freehold
565 ST DAVID STREET N
Centre Wellington (Fergus), ON N1M2K5
MLS® X13872398
$899,900
3 bed2.5 bath8 parking
Amenities
Also listed: Separate Heating Controls
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 72.1 x 165.3 FT
- Frontage
- 72.1 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,759 (2026)
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Window air conditioner
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Main level | — |
| Living room | Main level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
3 Bedroom 2 Bathroom Updated LIMESTONE HOME **PLUS** LEGAL CARRIAGE HOUSE Apartment with INCOME POTENTIAL and MASSIVE 1/4 Acres (165 ft deep x 72 ft wide) private yard! Live in the main house while you rent out the completely separate Carriage House ($2000/mo market rent) or use as an AirBB or for your in law/child with their own self contained, barrier free (no stairs - all main floor bungalow living!) The yard is like a fully fenced private park with mature trees, patios, two gazebos, fire pit and sitting areas with retractable awning outside the carriage house. PLUS a detached 10x10 heated, year round office/bunkie/gym with wifi, ideal for anyone who works from home but wants some separation from the main house. This historic home has been thoughtfully updated for modern family living while preserving the warmth and craftsmanship ready for the next buyer to just move in and enjoy with so much Character! This home is well set up for entertaining both inside and outside! Gourmet Chefs Kitchen with large island overlooking the formal dining area and sitting room PLUS large family room with fireplace. This home has been recently renovated from top to bottom, keeping within its original character and charm! Upstairs are three bedrooms and a beautifully renovated bathroom with vaulted ceilings, a statement chandelier over the soaker tub and separate walk-in shower. The separate self-contained 1-bedroom garden suite, complete with its own kitchen, living area, bathroom, laundry, private entrance and outdoor space is ideal for multigenerational living or extra income. Two-car carport, parking for up to eight vehicles and a location minutes from Downtown Fergus, schools, parks, restaurants and amenities. Only 15 minutes to Orangeville or Guelph and 45 min to the GTA. Check out the floor plans and cinematic video attached to the listing. (id:63159)
Listing Information
- MLS®
- X13872398
- Tax assessment year
- 2026
- Data last synced
- October 20, 2026
Keller Williams Inspire Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Inspire Realty
MLS® Number: X13872398
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 Central Lakes 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: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (condo fees, tax, utilities, etc.)$396.58
Total monthly cost$5,041.26
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,473.68
Cash Needed at Closing
Minimum down payment$64,990
Estimated Land Transfer Tax (LTT)$14,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,963
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.
