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Property Type: Detached HouseOwnership: Freehold
79 RYAN STREET
Centre Wellington (Fergus), ON N1M0E4
MLS® X13241280
$849,900
3 bed3.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 39.5 x 114.9 FT
- Frontage
- 39.6 feet
R1C
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,734 (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 | — |
| Laundry room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
Welcome to 79 Ryan Street in Fergus, a place where family memories are waiting to be made. Thoughtfully maintained and completely carpet-free, this inviting 3-bedroom, 2.5-bath home offers the perfect blend of comfort, space, and practicality for growing families. The bright and functional layout is designed for everyday living, whether you're hosting family gatherings, helping with homework around the kitchen table, or enjoying quiet evenings at home. Upstairs, the spacious primary suite provides a peaceful retreat, complete with a walk-in closet and a beautiful ensuite featuring double sinks, a stand-up shower, and a separate soaker tub. One of the additional bedrooms offers a charming private balcony, perfect for enjoying a morning coffee or curling up with a good book. Step outside to a fully fenced backyard where kids and pets can play freely, while the double car garage provides plenty of room for vehicles, storage, and all the extras that come with busy family life. The unfinished basement offers endless potential to create the rec room, home gym, playroom, or additional living space your family may need in the years ahead. Located in a welcoming Fergus neighbourhood close to parks, schools, trails, and everyday amenities, this is a home that offers more than just a place to live. It offers a lifestyle. If you've been looking for a warm and welcoming place to put down roots, 79 Ryan Street may be exactly what you've been waiting for. (id:63159)
Listing Information
- MLS®
- X13241280
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X13241280
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 Toronto Regional Real Estate Board.
Location Insights
Weather
Nearest station: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Grocery (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.)$394.50
Total monthly cost$4,781.11
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.
