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Property Type: Detached HouseOwnership: Freehold
830 SCOTLAND STREET
Centre Wellington (Fergus), ON N1M3R9
MLS® X13463028
$829,900
3 bed2 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 49.2 x 129 FT ; irregular
- Frontage
- 49.2 feet
R1C
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,939.21
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Other | Basement | — |
| Other | Basement | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Basement | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
Description
A picture-perfect bungalow like no other. This unique architectural design elevates the concept of home. It seamlessly combines practical living spaces with an awe-inspiring Recreation room, making it an ideal gathering spot for family and friends for years to come. Situated in one of the most convenient locations Fergus has to offer, this 3 bedroom 2 bathroom bungalow offers main floor living along with numerous desirable features. From the cozy Living room overlooking the porch to the breakfast nook with a lovely view. You can truly just move in and enjoy. The main floor offers 2 bedrooms and a 4 piece bath with ensuite privileges for the primary bedroom, an abundance of large windows, main floor laundry, access to the garage and a walkout to the back deck. The space on the lower level has so many possibilities, soaring ceilings in the third bedroom, 2nd bathroom and that expansive rec-room youre gunna love. You will also find additional storage space here that could be transformed into your own home gym, office or whatever your imagination can create. With the ceiling height down here, the sky's the limit. The fully fenced landscaped backyard creates a serene retreat, reminiscent of a vacation escape, where the soothing sounds of nature enhance the atmosphere of tranquility and privacy. Thoughtfully designed for enjoyment, this property boasts no rear neighbours, just a picturesque forest that provides both a beautiful view and the seclusion you desire. For those seeking a bit more activity, the expansive front porch is perfect for sipping morning coffee and engaging with friendly neighbours. This home is truly a treasure, ready for the next family to move in and relish the lifestyle it offers (id:63159)
Listing Information
- MLS®
- X13463028
- Data last synced
- September 15, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X13463028
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 (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.0% ($57,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$663,920.00
Periodic payment — Principal & Interest (monthly)$4,283.39
Additional monthly expenses (condo fees, tax, utilities, etc.)$328.27
Total monthly cost$4,611.65
Interest paid over 5-yr term$190,281.38
Balance at end of term$597,198.19
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$57,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,985.19
Cash Needed at Closing
Minimum down payment$57,990
Estimated Land Transfer Tax (LTT)$13,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$72,563
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.
