Loading…
Property Type: Detached HouseOwnership: Freehold
106 RYAN Street
Fergus, ON N1M0E4
MLS® 40869528
$1,224,900
4 bed4.5 bath6 parking2,600 sqftBuilt 2018
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 55 feet
R1C
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,321.24
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Second level | — |
| 4pc Bathroom | Second level | — |
| 5pc Ensuite bath | Second level | — |
| 2pc Bathroom | Main level | — |
| Bedroom | Second level | 12'7'' x 12'4'' |
| Bedroom | Second level | 16'1'' x 11'4'' |
| Bedroom | Second level | 12'10'' x 18'5'' |
| Primary Bedroom | Second level | 17'4'' x 14'1'' |
| Mud room | Main level | 7'11'' x 6'7'' |
| Family room | Main level | 20'10'' x 15'8'' |
| Kitchen | Main level | 16'10'' x 13'0'' |
| Dining room | Main level | 11'2'' x 11'4'' |
| Living room | Main level | 11'2'' x 11'9'' |
Description
A true DREAM HOME! Prepare to be impressed by this large 2 storey with your own PRIVATE RESORT BACKYARD. Offering 4 Beds, 4 Baths and 2600sqft on an enormous lot, there is space for everyone. Impressive curb appeal with tasteful landscaping & charming front porch with stone accents first greets you upon arrival. Once inside the generous foyer with curved oak staircase leads you to the large open concept formal living/dining room with hardwood, potlights and large windows. The heart of the home is the expansive upgraded kitchen. Here you'll find SS appliances, quartz counters, tasteful backsplash & the biggest island you could imagine complete with separate beverage fridge. Open concept to the main floor family room with hardwood, builtins and gas fireplace provides for easy living. You'll be amazed by the views over your own private oasis yard from the back of this exquisite home. A+ mud room with builtins. The second floor features 4 huge bedrms, all with ensuite privileges. 2 bedrms have private ensuites & 2 share a jack-and-jill bath. The primary suite is second to none with walkin closet & spa-like ensuite with large soaker tub, spacious glass + tile walkin shower plus double sinks. Second floor laundry completes this impressive level. The basement is waiting for your ideas with large windows, a full bath roughin plus SEPARATE WALK UP ENTRY for all kinds of possibilities (in-law suite or multi-generational living?). Even the garage here is premium! Enlarged to be significantly bigger than a typical double garage & fully drywalled. If all this isn't enough, the backyard is truly jaw dropping. Here you'll soak in the lap of luxury with a private inground pool with waterfall fire feature wall, waterfall hot tub, fire pit, covered outdoor kitchen with builtin appliances, generous patio area, large pool shed + huge lot with the right amount of grass space. Massive concrete driveway fits 4+ cars. Situated in a quiet ideal neighbourhood. This is a must see! (id:63159)
Listing Information
- MLS®
- 40869528
- Data last synced
- October 20, 2026
RE/MAX Real Estate Centre Inc., Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc., Brokerage
MLS® Number: 40869528
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$471/sqft
Building average
—
No other active listings in this building
53 - Fergus average
$451/sqft
7 active listing(s)
Parking: 6 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Grocery (1)
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 8.0% ($97,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$979,920.00
Periodic payment — Principal & Interest (monthly)$6,322.11
Additional monthly expenses (condo fees, tax, utilities, etc.)$740.10
Total monthly cost$7,062.21
Interest paid over 5-yr term$280,847.89
Balance at end of term$881,441.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$97,490
Stress test qualifying rate8.19%
Payment you must qualify for$8,741.64
Cash Needed at Closing
Minimum down payment$97,490
Estimated Land Transfer Tax (LTT)$20,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$119,963
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.
