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Property Type: Detached HouseOwnership: Freehold
699 ST ANDREW STREET W
Centre Wellington (Fergus), ON N1M1P7
MLS® X13758588
$599,900
3 bed1 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 68 x 135 FT
- Frontage
- 68 feet
R1B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,416 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
Description
Welcome to 699 St. Andrew Street West, a warm and welcoming 1925 brick home where original character, comfortable living, perfect location and a warm, inviting setting come together. Set on an impressive 68 x 135-foot property, this charming 1-storey home offers over 1,100 sq. ft, three bedrooms, a 4 pce renovated bath, detached garage and 3 car driveway. Beautiful hardwood floors, 9 ft ceilings, substantial wood trim, oversized doorways and a handsome staircase bring warmth and personality to the bright, inviting interior. The sun-filled living room flows easily into the separate dining room, creating comfortable spaces for everyday life and entertaining. The cheerful kitchen offers generous cabinetry, ample workspace, and offers a walkout to a beautiful sun porch overlooking views of the surrounding greenery.A main-floor bedroom provides valuable flexibility as a guest room, nursery, home office or convenient one-level sleeping space. Upstairs, two additional bedrooms feature hardwood flooring, abundant natural light and charming rooflines that give each room its own character. The full unfinished, full height, basement provides plenty of laundry, storage and workshop space, along with possibilities for the future.Two porches extend the home's living space and provide places to enjoy a quiet morning, welcome guests or unwind. Outside, the rear deck overlooks a deep, mature yard with room for children, pets, gardens and summer gatherings. The garage and long driveway add practical parking and storage.With central air, forced-air gas heating and flexible possession, this home offers comfort now and potential for years to come. Located near parks, schools, the hospital, recreation and arts facilities, direct river access steps away, and the shops, restaurants and character of downtown Fergus. A special opportunity for first-time buyers, young families, downsizers or anyone who appreciates the enduring warmth of a character home on a generous in-town lot. (id:63161)
Listing Information
- MLS®
- X13758588
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
RE/MAX Real Estate Centre Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc
MLS® Number: X13758588
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 (2)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$284.67
Total monthly cost$3,380.95
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,380.17
Cash Needed at Closing
Minimum down payment$34,990
Estimated Land Transfer Tax (LTT)$8,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,963
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.
