487 St Andrew Street E, Centre Wellington

$649,900
487 St Andrew Street E

$649,900

New
22d
Att/Row/Townhouse2-Storey

487 St Andrew Street E, Centre Wellington

Total Monthly Obligation $3,433

HausQ Valuation Report
Beds
2
Baths
3
Park
2
Sqft
1500-2000
DOM
22d
Score
18
Yield
4.8%
Cash on Cash
-4.7%
Cap Rate
3.6%
5Y IRR
11.9%
10Y IRR
11.7%
Property Type-Att/Row/Townhouse
MLS® Number-X13851846
Beds-2
Bathrooms-3
Size-1500-2000 sqft
Lot Size-22.08 × 185.23 ft
Listed on site-Oct 1, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-16-30
Taxes-$5,233.32 (2026)
Parking-4 - Attached
Basement-Finished, Partial Basement
Heating-Forced Air (Gas)
Brokerage-Keller Williams Home Group Realty
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-North
Exterior-Brick, Wood
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-60-89 Days
Neighbourhood-Fergus
Title-Residential Freehold

No agent assigned

Welcome to this beautifully maintained freehold townhome offering comfortable living, stunning views, and a great location. Enjoy picturesque views of the Grand River and Confederation Park from the front balcony and primary bedroom, creating a peaceful backdrop to your everyday life. The thoughtfully designed layout features two spacious bedrooms, each with its own private ensuite, a rare feature to find. Step outside to the backyard and enjoy incredible gardens filled with - a perfect spot to relax and unwind. Location is truly a highlight. Enjoy the convenience of being within walking distance to all the amenities downtown Fergus has to offer. Outdoor enthusiasts will appreciate the numerous nearby walking trails, including the scenic Cataract Trail. Looking to explore the surrounding area or have to commute? The home offers easy access to Kitchener-Waterloo, Cambridge, and Guelph. Additionally, just a short drive to beautiful Elora and the amazing things it has to offer. This is a wonderful opportunity to enjoy a low-maintenance lifestyle in a fantastic community setting.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$519,920
Land Transfer Taxes$9,473
Legal Fees (Est.)
$
Total cash required for closing$140,953

Total Monthly Obligation

$3,433/mo
Mortgage $2,622
Monthly Loss $2,743
Principal$690
Interest$1,932
Property Tax$436
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.5%1
5-Year IRR
8.2%24
10-Year IRR
9.2%
Returns Index
13.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$30,948/yr
NOI
$18,120/yr
Net Cash Flow
-$1,112/mo
Cash Margin
-43.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.586
LTV Ratio
80.0%18
Vacancy Buffer
2.8 mo46
Risk Index
23.6/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 487 St Andrew Street E

Time

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Data last updated within the past 24 hours.