595 Tower Street S, Centre Wellington

$1,050,000
595 Tower Street S

$1,050,000

New
29d
Detached1 1/2 Storey

595 Tower Street S, Centre Wellington

Total Monthly Obligation $5,080

Beds
4
Baths
3
Park
2
Sqft
3000-3500
DOM
29d
Score
16
Yield
3.8%
Cash on Cash
-7.2%
Cap Rate
3.0%
5Y IRR
9.9%
10Y IRR
10.1%
Property Type-Detached
MLS® Number-X13825922
Beds-4
Bathrooms-3
Size-3000-3500 sqft
Lot Size-90 × 153.5 ft
Listed on site-Sep 24, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-51-99
Taxes-$5,636.71 (2026)
Parking-4 - Attached
Basement-Partial Basement
Heating-Forced Air (Gas)
Brokerage-Your Hometown Realty Ltd
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas, Family Room, Living Room, Wood, Other
Pool-Above Ground
Facing-West
Exterior-Aluminum Siding, Stone
Roof-Other
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Fergus
Title-Residential Freehold

No agent assigned

Beautifully appointed and wonderfully spacious, this large family home sits on nearly half an acre and is close to everything you need! Welcome to 595 Tower St. S., tucked behind mature trees on a private, ravine-like lot, with a concrete driveway and garage access fronting quiet Wellington St. Offering over 3,000 square feet of finished living space, this four-bedroom home provides plenty of room for the whole family to spread out, entertain, and grow. The welcoming foyer leads into a spacious living room and dining room, creating an inviting setting for family gatherings and entertaining. The updated kitchen is the heart of the home, featuring a large island, abundant cabinetry and counter space, a convenient coffee bar, and a huge pantry. With views overlooking the side yard, the kitchen flows into the generous family room, complete with a gas fireplace and slider access to the covered composite deck. Step outside and enjoy the beautifully private, treed setting overlooking the ravine-like side yard, above-ground pool and fenced backyard. The covered deck creates the perfect spot for relaxing, entertaining, and keeping an eye on the kids while they enjoy the pool. Convenient main-floor laundry is located beside a three-pce bathroom, with both spaces ideally situated near the oversized 2 1/2 car garage-plenty of room for vehicles, equipment, toys, and all the extras that come with family life. Three spacious bedrooms are located on the main floor, each offering plenty of character and large closets, one with its own gas fireplace. Upstairs, discover a versatile bonus fourth bedroom with walk in closet, a two-piece bathroom, along with a large storage room that could also serve as a home office or hobby space. Unique in so many ways, this is a home that truly needs to be seen to be appreciated.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$840,000
Land Transfer Taxes$17,475
Legal Fees (Est.)
$
Total cash required for closing$228,975

Total Monthly Obligation

$5,080/mo
Mortgage $4,235
Monthly Loss $3,966
Principal$1,115
Interest$3,121
Property Tax$470
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.0%1
5-Year IRR
6.9%18
10-Year IRR
8.2%
Returns Index
10.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$40,176/yr
NOI
$26,022/yr
Net Cash Flow
-$2,067/mo
Cash Margin
-61.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo29
Risk Index
17.5/ 100

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

Comparables

Properties near 595 Tower Street S

Time

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