452 St Andrew Street W, Centre Wellington

$549,999
452 St Andrew Street W

$549,999

New
18d
Att/Row/Townhouse2-Storey

452 St Andrew Street W, Centre Wellington

Total Monthly Obligation $2,813

Beds
2
Baths
2
Park
2
Sqft
700-1100
DOM
18d
Score
23
Yield
5.8%
Cash on Cash
1.3%
Cap Rate
4.9%
5Y IRR
16.6%
10Y IRR
15.5%
Property Type-Att/Row/Townhouse
MLS® Number-X13863378
Beds-2
Bathrooms-2
Size-700-1100 sqft
Lot Size-14.14 × 100.15 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Att/Row/Townhouse
Age-100+
Taxes-$2,630.45 (2026)
Parking-2 - None
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Keller Williams Home Group Realty
Cooling-None
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-South
Exterior-Stone
Roof-Metal
Foundation-Stone
Sewer-Sewer
Possession-Flexible
Neighbourhood-Fergus
Title-Residential Freehold

No agent assigned

Situated steps from the Grand River, this charming circa-1860 stone townhome is located in the heart of downtown Fergus. Originally constructed as a Grist Mill, this stone block building has stood the test of time and is now your opportunity to own a little piece of Fergus History. This 2-bedroom, 2-bath townhouse blends original stone walls and exposed wooden beans with comfortable everyday living in one of Fergus' most central locations. Inside, wide-plank wood floors, exposed stone, tall windows and warm architectural finishes create a home that feels genuinely unique. The main level offers a welcoming living room, separate dining area and functional kitchen, along with a 3-piece bath. Upstairs are two bedrooms and a second 3-piece bath, while the lower level provides laundry, utility and generous storage space. Out back, a private deck and mature trees provide a quiet place to relax just steps from the energy of downtown. Walk to shops, restaurants, cafés, the Grand River and everything that makes Fergus such a special place to call home. With its unmistakable stone exterior, historic character and central location, 452 St. Andrew Street West offers something increasingly hard to find in arguably one of Ontario's most picturesque towns.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$439,999
Land Transfer Taxes$7,475
Legal Fees (Est.)
$
Total cash required for closing$118,975

Total Monthly Obligation

$2,813/mo
Mortgage $2,219
Monthly Loss $2,229
Principal$584
Interest$1,635
Property Tax$219
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.9%26
Cash-on-Cash
-4.3%3
5-Year IRR
12.3%52
10-Year IRR
12.4%
Returns Index
27.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$31,884/yr
NOI
$21,565/yr
Net Cash Flow
-$421/mo
Cash Margin
-15.9%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.8115
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo58
Risk Index
30.3/ 100

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

Comparables

Properties near 452 St Andrew Street W

Time

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