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$530K · 3 bed Condo Townhouse · Fergus, Centre Wellington | MyPropertyScout

$529,900

Unit 1

39 DOM

3239d

Map

DOM 39

$529,900

F●●●○○DOM39days

Unit 1

465 Garafraxa Street · Centre Wellington · Ontario N1M 1C6

MLS® X13165006 · Fergus · N1M 1C6

32Vacant1200-1399 ft²Condo TownhouseNone39d$408/ft²$0 tax/yr

12% above market · 39 days on market

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

About this home

Welcome to Garafraxa Village in the heart of Fergus - a thoughtfully designed stacked townhome community offering modern living surrounded by the charm and natural beauty that make Centre Wellington so desirable. This spacious 3-bedroom, 2-bathroom unit offers over 1,200 square feet of functional living space with contemporary finishes, bright open-concept design and in-suite laundry. Designed for today's lifestyles, these homes provide the perfect blend of comfort, practicality, and affordabili…

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Property details

MLS#: X13165006
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1200-1399
Style: Stacked Townhouse
Type: Condo Townhouse
Year built: —

Roof: Fibreglass Shingle

Condo corp #: 305
Balcony: Terrace
Locker: None
Fees include: Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Beatty Line
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: —

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® X13165006

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$530K

Unit 1 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $529,900✓ $0 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,333/mo

incl. closing costs (yr 1)

Annual total

$51,990

year 1

Mortgage only

$2,010/mo

principal + interest

Beyond mortgage

$1,275/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$105,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/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%$5,299/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)$34/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $24,123/yr

Property taxes14% $7,073/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,299/yr

Condo fees9% $4,835/yr

Closing costs10% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,123	$2,010/mo
Government & taxes
Land transfer tax(closing)	$7,073	$589/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%)	$5,299	$442/mo
Condo fees
Condo / HOA fees	$4,835	$403/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	$51,990	$4,333/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 1

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs