$420K · 2 bed Condo Apartment · Fergus, Centre Wellington

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About this home

Welcome to this stylish 2-bedroom, 707 sq ft condo (built 2022) in the heart of Fergus at 360 Queen St E, Unit 4B. Thoughtfully designed with a bright open-concept layout, this home features modern finishes, durable flooring, and a sleek kitchen with quartz countertops, stainless steel appliances, and a functional island-perfect for everyday living and entertaining. Enjoy your own private covered terrace, ideal for morning coffee or unwinding at the end of the day. With in-suite laundry and a sm…

Property details

MLS#

X13086572

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

700-799

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Roof: Metal
Foundation: Concrete
Property features: Park, Place Of Worship, River/Stream, School, Wooded/Treed, Library

View: Park/Greenbelt

Water view: Obstructive
Water body: Grand River

Condo corp #: 281
Balcony: Open
Locker: None
Fees include: Building Insurance Included, Condo Taxes Included, Parking Included, Common Elements Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Brick · Porch
Fronting on: —
Cross street: Queen st E/ St David St
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Air Exchanger, ERV/HRV, On Demand Water Heater, Separate Hydro Meter, Water Softener, Carpet Free
Parking features: Reserved/Assigned, Surface

Level	Room	Dimensions
Main	Bedroom	2.4384m × 3.048m
Main	Primary Bedroom	3.0206m × 3.77952m
Main	Bathroom	1.55448m × 2.4079m
Main	Kitchen	3.5052m × 3.2m
Main	Living Room	3.62712m × 4.2672m

Level

Room

Dimensions

Main

Bedroom

2.4384m × 3.048m

Main

Primary Bedroom

3.0206m × 3.77952m

Main

Bathroom

1.55448m × 2.4079m

Main

Kitchen

3.5052m × 3.2m

Main

Living Room

3.62712m × 4.2672m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $419,900✓ $2,725 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,719/mo

incl. closing costs (yr 1)

Annual total

$44,631

year 1

Mortgage only

$1,593/mo

principal + interest

Beyond mortgage

$1,262/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$227/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$4,199/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)$21/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $19,116/yr

Property taxes17% $7,598/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $4,199/yr

Condo fees7% $3,058/yr

Closing costs11% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,116	$1,593/mo
Government & taxes
Property tax	$2,725	$227/mo
Land transfer tax(closing)	$4,873	$406/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%)	$4,199	$350/mo
Condo fees
Condo / HOA fees	$3,058	$255/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	$44,631	$3,719/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 4B

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