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$670K · 1+1 bed Condo Apartment · Fergus, Centre Wellington | MyPropertyScout

$669,900

Unit 104

1+12Vacant

Map

⚡ Insider Deal

WaterfrontEstate Sale

$669,900

F●●●○○

Unit 104

478 St Andrew Street · Centre Wellington · Ontario N1M 3V7

MLS® X13004782 · Fergus · N1M 3V7

1+12Vacant1200-1399 ft²Condo Apartment1-car Detached$516/ft²$4,157 tax/yr

14% above market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Heritage Charm Meets Riverside Serenity. A rare opportunity to downsize without compromise: Suite 104 at the Fergus Mill offers unmatched value with **6 months of condo fees included in the purchase**, giving you a worry-free start to homeownership. Set in one of Centre Wellington's most iconic buildings, this ground-level condo blends historic character with modern comfort. It features soaring ceilings, hardwood floors, and oversized windows that frame breathtaking views of the Grand River Fall…

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Property details

MLS#: X13004782
Status: Conditionally Sold
Beds: 1+1
Baths: 2 full, 0 half
Size: 1200-1399
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Arts Centre, Clear View, Hospital, Library, Park, Waterfront

Fireplace features: Electric

View: River, Trees/Woods

Waterfront: Yes
Water view: Direct
Water body: Grand River
Shoreline: Unknown
Waterfront features: River Front

Condo corp #: 124
Balcony: None
Locker: Owned
Association amenities: Communal Waterfront Area, Community BBQ, Elevator, Party Room/Meeting Room, Visitor Parking
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Detached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Exterior: Stone
Fronting on: —
Cross street: Scotland and St Andrew St E
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry, Laundry Room
Interior: Carpet Free, On Demand Water Heater, Primary Bedroom - Main Floor, Storage Area Lockers, Water Heater Owned
Parking features: Surface

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Keller Williams Home Group Realty

Source: TRREB/PROPTX · MLS® X13004782

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$670K

Unit 104 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $669,900✓ $4,157 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,281/mo

incl. closing costs (yr 1)

Annual total

$75,373

year 1

Mortgage only

$2,541/mo

principal + interest

Beyond mortgage

$2,459/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$133,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$346/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,699/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$94/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $30,497/yr

Property taxes19% $14,030/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,699/yr

Condo fees18% $13,488/yr

Closing costs7% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$30,497	$2,541/mo
Government & taxes
Property tax	$4,157	$346/mo
Land transfer tax(closing)	$9,873	$823/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,699	$558/mo
Condo fees
Condo / HOA fees	$13,488	$1,124/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$75,373	$6,281/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 104

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs