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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
86 MILLIGAN STREET
Centre Wellington (Fergus), ON N1M3S5
MLS® X14116500
62
Walk Score
44
Bike
$699,900
4 bed2 bath4 parking
62
Walk Score
44
Bike
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 34.8 x 95 FT
- Frontage
- 34.9 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,943 (2025)
Interior
- Basement
- Finished, N/A
- Heating
- Heat Pump, Forced air, Electric, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Bedroom 4 | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Recreational, Games room | Basement | — |
| Laundry room | Basement | — |
Description
Room to spread out, thoughtful updates and a convenient Fergus location come together at 86 Milligan Street. This four-bedroom, two-bathroom detached four-level backsplit offers distinct living spaces for everyday family life, including a bright living and dining area, a kitchen with appliances updated in 2023, a generous family room and a finished basement recreation room. Three bedrooms are grouped on the upper level, with a fourth bedroom on the main level offering flexibility for guests or a home office. Recent improvements include the main-floor bathroom (2020), basement refinishing and tankless water heater (2021), gas furnace and heat pump (2022), driveway and backyard deck (2023), and updated stairs, upper hallway and bedroom flooring in 2026. The backyard deck and shed add practical outdoor space, while the attached single garage and parking for three vehicles in the driveway make coming and going easy. Enjoy nearby parks, a school and walking paths, with convenient walking access into town. Explore the virtual tour and imperial floor plans for a closer look. (id:63161)
Listing Information
- MLS®
- X14116500
- Tax assessment year
- 2025
- Data last synced
- October 27, 2026
M1 Real Estate Brokerage Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: M1 Real Estate Brokerage Ltd
MLS® Number: X14116500
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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$328.58
Total monthly cost$3,941.00
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
