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Property Type: Detached HouseOwnership: Freehold
589 HARVEY STREET
Centre Wellington (Fergus), ON N1M3J4
MLS® X13808398
$849,900
3 bed2 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 50.1 x 131.2 FT
- Frontage
- 50.1 feet
Residential
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,846.27 (2025)
Interior
- Basement
- Partially finished, Full, Walk out, N/A, N/A
- Heating
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Bathroom | Lower level | — |
| Kitchen | Main level | — |
| Eating area | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Recreational, Games room | Lower level | — |
Description
Cherished by its original owner since new, 589 Harvey Street is being offered for the first time to a new owner. This well-cared-for brick bungalow has been lovingly maintained over the years and offers a wonderful opportunity to make a home of your own in a mature Fergus neighbourhood. The inviting main floor features a bright and comfortable layout with three bedrooms, a spacious living and dining area anchored by a gas fireplace, and a bright kitchen with a dedicated breakfast area overlooking the front yard. A wonderful enclosed three-season room extends the living space and provides a peaceful spot to enjoy the views of the mature gardens and rear yard. Step outside to the patio and beautifully established backyard, offering plenty of space to relax, garden and enjoy the outdoors. The attached double-car garage adds both convenience and functionality. The finished lower level provides additional living space with a generous recreation room and second bathroom, while the remaining unfinished area offers excellent storage and potential for a workshop, hobby space or future finishing. There is a genuine sense of pride of ownership throughout this home. After decades of memories, the original owner is ready to pass the keys to the next chapter. A well-loved home, a beautiful setting and an opportunity to make it your own. (id:63159)
Listing Information
- MLS®
- X13808398
- Tax assessment year
- 2025
- Data last synced
- September 28, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X13808398
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: 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.)$403.86
Total monthly cost$4,790.47
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.
