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$475K · 0+2 bed Condo Townhouse · Unit 2, 465 Garafraxa Street, Centre Wellington, Ontario N1M 1C6 | HomeSearchCanada

$474,900

Unit 2

65 DOM

0+2265d

Map

DOM 65

$474,900

DOM65days

Unit 2

465 Garafraxa Street · Centre Wellington · Ontario N1M 1C6

MLS® X13142104 · Fergus · N1M 1C6

0+22Vacant1000-1199 ft²Condo TownhouseNoneFull, Finished65d$432/ft²$0 tax/yrFull, Finished

65 days on market

About this home

Experience modern living and small-town charm in this brand-new stacked townhouse end-unit in the heart of Fergus. Thoughtfully designed with a functional layout and stylish contemporary finishes, this move-in ready home offers the perfect blend of comfort, convenience, and natural surroundings. Step inside the bright and welcoming main-level living space, featuring a sun-filled front living room and an open-concept kitchen and dining area overlooking peaceful trees and nature. Added kitchen bon…

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Property details

MLS#: X13142104
Status: Buy Now
Property class: Residential Condo & Other
Beds: 0+2
Baths: 2 full, 0 half
Rooms: 3 + 3
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Finished
Style: Stacked Townhouse
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 2 pc · Main; 4 pc · Lower
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Property features: Hospital, Rec./Commun.Centre, School, Place Of Worship

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

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Other
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Hope Lane Pvt.
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Water Heater Owned
Parking features: —

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: eXp Realty

Source: TRREB/PROPTX · MLS® X13142104

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$475K

Unit 2 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $474,900✓ $0 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,944/mo

incl. closing costs (yr 1)

Annual total

$47,325

year 1

Mortgage only

$1,802/mo

principal + interest

Beyond mortgage

$1,186/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$94,980

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 × ~1,100 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%$4,749/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)$30/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $21,619/yr

Property taxes13% $5,973/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,749/yr

Condo fees9% $4,323/yr

Closing costs11% $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)	$21,619	$1,802/mo
Government & taxes
Land transfer tax(closing)	$5,973	$498/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%)	$4,749	$396/mo
Condo fees
Condo / HOA fees	$4,323	$360/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	$47,325	$3,944/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 2

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs