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Property Type: Detached HouseOwnership: Freehold
530 ST ANDREW Street E
Fergus, ON N1M1R6
MLS® 40846129
$2,190,000
4 bed3 bath12 parking3,900 sqft
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2.5
- Frontage
- 84 feet
R1A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $10,588
Interior
- Basement
- Unfinished, Crawl space
- Heating
- Hot water radiator heat, Forced air, In Floor Heating, Boiler, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Loft | Third level | 16'2'' x 41'5'' |
| 5pc Bathroom | Second level | 9'6'' x 14'3'' |
| Primary Bedroom | Second level | 23'4'' x 28'10'' |
| Bedroom | Second level | 11'4'' x 12'2'' |
| Bedroom | Second level | 11'6'' x 12'1'' |
| 4pc Bathroom | Second level | 9'7'' x 9'4'' |
| Family room | Second level | 20'6'' x 21'2'' |
| 3pc Bathroom | Main level | 5'10'' x 8'11'' |
| Dining room | Main level | 15'1'' x 11'9'' |
| Kitchen | Main level | 16'0'' x 11'9'' |
| Living room | Main level | 23'6'' x 16'11'' |
| Bedroom | Main level | 9'8'' x 10'11'' |
Description
Welcome to this unique executive custom built 3900 sq ft two storey with third level loft. 160 ft driveway to shoreline provides tons of parking. 88 ft of shoreline & river depth to 20 ft. Multiple balconies & patio doors provide outdoor access from all floors to the breathtaking panoramic views of the water & greenspace. Impressive quality construction using ICF, Arriscraft Executive stone, extensive insulation, 9' ceilings, open floor plan, supplementary in floor water heating throughout & operated under 7 independent heat zones including the fully insulated garage. Elegant custom staircase with lower risers, deeper treads & wrought iron. The main floor affords people with mobility issues access to all areas including main floor bedroom with large pocket door and 3 pc bath with roll-in shower. LED lighting throughout, high efficiency on demand water heater & comprehensive water filtration system. The Great room is in a separate wing above the garage with cathedral ceilings, cheater ensuite access, large private covered balcony & potential to be transformed into an in-law suite w/separate entrance. The primary bedroom oasis features wall to wall sliding glass doors leading to huge covered balcony. Stunning 5 pc primary bathroom with walk-in shower. Two additional bright & spacious bedrooms & laundry area complete the 2nd floor. The large 3rd floor loft has potential for a variety of uses including further division for additional bedrooms as well as its own private covered balcony. Minutes to Elora, KW & Guelph. Contact for more information or to schedule a viewing. (id:63159)
Listing Information
- MLS®
- 40846129
- Data last synced
- September 15, 2026
Home and Property Real Estate Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Home and Property Real Estate Ltd.
MLS® Number: 40846129
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
$562/sqft
Building average
—
No other active listings in this building
53 - Fergus average
$438/sqft
7 active listing(s)
Parking: 12 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
Parks (5+)
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Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 20.0% ($438,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,752,000.00
Periodic payment — Principal & Interest (monthly)$11,303.31
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,077.33
Total monthly cost$12,380.64
Interest paid over 5-yr term$502,128.24
Balance at end of term$1,575,929.67
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$438,000
Stress test qualifying rate8.19%
Payment you must qualify for$13,584.55
Cash Needed at Closing
Minimum down payment$438,000
Estimated Land Transfer Tax (LTT)$41,225
Legal / closing costs (typical estimate)$1,500
Total cash needed$480,725
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.