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Property Type: Detached HouseOwnership: Freehold
601 ST ANDREW STREET E
Centre Wellington (Fergus), ON N1M1R8
MLS® X14101676
44
Walk Score
34
Bike
$565,000
3 bed1 bath7 parking
44
Walk Score
34
Bike
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 96.7 x 127 FT ; slightly irregular
- Frontage
- 96.8 feet
R1A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,931 (2025)
Interior
- Basement
- Partial, Walk out, N/A
- Heating
- Forced air, Natural gas
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 3 | Second level | — |
| Utility room | Basement | — |
Description
Welcome to Tom Cottage, a circa 1837 property located on a premier large lot (95 X 127) in the quaint town of Fergus. Enjoy a country-like lifestyle surrounded by mature trees, perennial gardens and views of the Grand River. This idyllic location allows you to enjoy a quiet lifestyle but you can still walk downtown to shop or dine out. Come into the warm, cozy kitchen with all the charm of yesteryear and go out to the garden through the mudroom (laundry room) where you can putter all day in the garden and potting shed. The generous sized dining room, great for family dinners and entertaining, adjoins the kitchen. Step into the charming front room displaying the old wood cladding on the one wall. Large windows face east, west and south ushering an abundance of natural light and garden and river views. A flexible third bedroom/office and a four piece bathroom complete the main floor. Upstairs are two more pretty bedrooms featuring wide-plank pine flooring. An attached single car garage provides basement entry into the house while the detached 23' X 23' garage makes an ideal workshop for any handy person. John Black Public School is just up the road as is the Pierpoint Fly Fishing Nature Reserve, which provides free public access to the riverfront and walking trails. Move in and enjoy, renovate, add square footage, an ADU or build your dream home, this lot can accommodate all your plans. Come explore all the possibilities! (id:63161)
Listing Information
- MLS®
- X14101676
- Tax assessment year
- 2025
- Data last synced
- October 29, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X14101676
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: 5.6% ($31,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$452,000.00
Periodic payment — Principal & Interest (monthly)$2,916.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$327.58
Total monthly cost$3,243.73
Interest paid over 5-yr term$129,544.50
Balance at end of term$406,575.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$31,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,136.62
Cash Needed at Closing
Minimum down payment$31,500
Estimated Land Transfer Tax (LTT)$7,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,775
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.
