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Property Type: Detached HouseOwnership: Freehold
95 ELLIOT AVENUE W
Centre Wellington (Fergus), ON N1M0H9
MLS® X13802952
$898,900
4 bed3.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 69.1 x 105.1 FT ; 81.77ftx35.15ftx51.56fx105.10ftx35.82ft
- Frontage
- 69.1 feet
R2.66.5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,023.15
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Upper Level | — |
| Laundry room | Main level | — |
| Bedroom 2 | Upper Level | — |
| Bedroom 3 | Upper Level | — |
| Bedroom 4 | Upper Level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Eating area | Main level | — |
| Den | Main level | — |
| Recreational, Games room | Lower level | — |
Description
Welcome Home To This Gorgeous Corner-Lot Property That Truly Checks All The Boxes! Beautifully Landscaped With Great Curb Appeal, This Home Features A Grand Double Door Entrance And A Double Car Garage With Garage Door Openers. The Main Floor Features Laminate Flooring Throughout And A Bright, Open-Concept Layout. The Modern Kitchen Is Equipped With Quartz Countertops, Stainless Steel Appliances, A Subway Tile Backsplash, Undermount Sink, And A Large Island Overlooking The Living And Dining Areas-Perfect For Entertaining. A Spacious Main Floor Den/Office Offers Flexibility For Working From Home Or Can Easily Be Used As A Fifth Bedroom. You'll Also Find A Separate Laundry Room With A Laundry Sink, Along With Convenient Access To The Backyard And Inside Garage. The Garage Itself Includes An Additional Access Door To The Backyard. Upstairs, The Home Boasts Four Generously Sized Bedrooms, Including Two With Walk-In Closets. The Primary Bedroom Features A Luxurious Five-Piece Ensuite, And There Is An Additional Four-Piece Bathroom Upstairs. Both The Main And Upper Levels Are Enhanced With Upgraded Light Fixtures And Stylish Window Coverings, While Large Windows Throughout The Home Allow For An Abundance Of Natural Light. The Enormous Basement Offers Excellent Storage Space, Complete With Above-Grade Windows, A Cantina, And A 3-Piece Bathroom Rough-In, Providing Excellent Potential For Future Customization Or The Opportunity To Add An Additional Bathroom Down The Road. *Click Link Below For Additional Photos And Video Tour* *Builder Floor Plan Attached* (id:63159)
Listing Information
- MLS®
- X13802952
- Data last synced
- October 5, 2026
SUTTON GROUP ELITE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SUTTON GROUP ELITE REALTY INC.
MLS® Number: X13802952
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: 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
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.2% ($64,890) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$719,120.00
Periodic payment — Principal & Interest (monthly)$4,639.52
Additional monthly expenses (condo fees, tax, utilities, etc.)$501.93
Total monthly cost$5,141.45
Interest paid over 5-yr term$206,101.86
Balance at end of term$646,850.77
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,890
Stress test qualifying rate8.19%
Payment you must qualify for$6,466.70
Cash Needed at Closing
Minimum down payment$64,890
Estimated Land Transfer Tax (LTT)$14,453
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,843
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.
