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Property Type: Detached HouseOwnership: Freehold
610 ST DAVID STREET S
Centre Wellington (Fergus), ON N1M2L9
MLS® X13735072
$799,900
4 bed2 bath5 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 70 x 137 FT
- Frontage
- 70 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,295 (2025)
Interior
- Basement
- Finished, Apartment in basement, Separate entrance, N/A, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
Description
A rare opportunity to own a spacious, well appointed and well-maintained family home with a completely separate, professionally constructed and stunning two level legal apartment - ideal for generating rental income or accommodating loved ones with plenty of room to grow. Ideally located in an excellent and established Fergus neighbourhood just steps from downtown, the Grand River, schools, sports fields, shopping and everyday amenities.The main home offers three spacious bedrooms, a large living room and separate dining area with a walkout to a newer poured-concrete patio, pretty pergola and an impressive, pool-sized backyard. The custom kitchen features beautiful cherry cabinetry, stainless steel appliances and plenty of counter and storage space. Under the newer carpeting, you'll find gorgeous refinished hardwood flooring throughout the living room, dining room and all three bedrooms. A separate entrance at the back of the house leads to the legal and charming accessory apartment boasting an abundance of storage/flex space, a bright main floor bedroom and on the lower level, a lovely living and dining area featuring a beautiful stone mantel equipped with a modern and convenient electric fireplace. The kitchen offers plenty of cabinet and counter space, stainless steel appliances as well as easy access to a private laundry room. Need a mortgage helper now with room to grow in future? This home's flexible design provides the ability to generate income whenever you need it or simply remove one small wall and easily convert it back to a single-family, four bedroom house. Brand new furnace, professionally painted throughout, new roof in 2021 and a freshly sealed driveway big enough to accommodate multiple vehicles along with your RV. Location, versatility and move in ready. This one has it all. Book your showing today. (id:63159)
Listing Information
- MLS®
- X13735072
- Tax assessment year
- 2025
- Data last synced
- October 16, 2026
M1 Real Estate Brokerage Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: M1 Real Estate Brokerage Ltd
MLS® Number: X13735072
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: 6.9% ($54,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,920.00
Periodic payment — Principal & Interest (monthly)$4,128.55
Additional monthly expenses (condo fees, tax, utilities, etc.)$357.92
Total monthly cost$4,486.46
Interest paid over 5-yr term$183,402.91
Balance at end of term$575,610.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.84
Cash Needed at Closing
Minimum down payment$54,990
Estimated Land Transfer Tax (LTT)$12,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,963
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.
