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Property Type: Detached HouseOwnership: Freehold
595 TOWER STREET S
Centre Wellington (Fergus), ON N1M2P9
MLS® X13825922
$1,050,000
4 bed3 bath4 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 90 x 153.5 FT
- Frontage
- 90 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,636.71 (2025)
Interior
- Basement
- Partial
- Heating
- Forced air, Natural gas, Other
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Laundry room | Main level | — |
| Bedroom 4 | Second level | — |
| Bathroom | Second level | — |
| Office | Second level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Family room | Main level | — |
Description
Beautifully appointed and wonderfully spacious, this large family home sits on nearly half an acre and is close to everything you need! Welcome to 595 Tower St. S., tucked behind mature trees on a private, ravine-like lot, with a concrete driveway and garage access fronting quiet Wellington St. Offering over 3,000 square feet of finished living space, this four-bedroom home provides plenty of room for the whole family to spread out, entertain, and grow. The welcoming foyer leads into a spacious living room and dining room, creating an inviting setting for family gatherings and entertaining. The updated kitchen is the heart of the home, featuring a large island, abundant cabinetry and counter space, a convenient coffee bar, and a huge pantry. With views overlooking the side yard, the kitchen flows into the generous family room, complete with a gas fireplace and slider access to the covered composite deck. Step outside and enjoy the beautifully private, treed setting overlooking the ravine-like side yard, above-ground pool and fenced backyard. The covered deck creates the perfect spot for relaxing, entertaining, and keeping an eye on the kids while they enjoy the pool. Convenient main-floor laundry is located beside a three-pce bathroom, with both spaces ideally situated near the oversized 2 1/2 car garage-plenty of room for vehicles, equipment, toys, and all the extras that come with family life. Three spacious bedrooms are located on the main floor, each offering plenty of character and large closets, one with its own gas fireplace. Upstairs, discover a versatile bonus fourth bedroom with walk in closet, a two-piece bathroom, along with a large storage room that could also serve as a home office or hobby space. Unique in so many ways, this is a home that truly needs to be seen to be appreciated. (id:63159)
Listing Information
- MLS®
- X13825922
- Tax assessment year
- 2025
- Data last synced
- September 26, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13825922
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 (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.6% ($80,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$840,000.00
Periodic payment — Principal & Interest (monthly)$5,419.39
Additional monthly expenses (condo fees, tax, utilities, etc.)$469.73
Total monthly cost$5,889.12
Interest paid over 5-yr term$240,746.41
Balance at end of term$755,582.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$80,000
Stress test qualifying rate8.19%
Payment you must qualify for$7,521.13
Cash Needed at Closing
Minimum down payment$80,000
Estimated Land Transfer Tax (LTT)$17,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$98,975
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.
