The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Welcome to Tom Cottage, a circa 1837 property located on a premier large lot (95 X 127) in the quaint town of Fergus. Enjoy a country-like lifestyle surrounded by mature trees, perennial gardens and views of the Grand River. This idyllic location allows you to enjoy a quiet lifestyle but you can still walk downtown to shop or dine out. Come into the warm, cozy kitchen with all the charm of yesteryear and go out to the garden through the mudroom (laundry room) where you can putter all day in the garden and potting shed. The generous sized dining room, great for family dinners and entertaining, adjoins the kitchen. Step into the charming front room displaying the old wood cladding on the one wall. Large windows face east, west and south ushering an abundance of natural light and garden and river views. A flexible third bedroom/office and a four piece bathroom complete the main floor. Upstairs are two more pretty bedrooms featuring wide-plank pine flooring. An attached single car garage provides basement entry into the house while the detached 23' X 23' garage makes an ideal workshop for any handy person. John Black Public School is just up the road as is the Pierpoint Fly Fishing Nature Reserve, which provides free public access to the riverfront and walking trails. Move in and enjoy, renovate, add square footage, an ADU or build your dream home, this lot can accommodate all your plans. Come explore all the possibilities!
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Age Groups
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Owners vs Renters
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Household Type
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What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$2,441/mo
Mortgage (principal + interest)$2,114
Property taxFrom listing: $3,931/yr$328
Minimum $31,500 down for this price; the slider moves in whole percent, starting at 6%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$113,000
Ontario land transfer taxProvincial brackets, no first-time refund$7,775
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$123,575
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Centre Wellington has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
