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$490K · 3 bed Condo Townhouse · Unit 10, 465 Garafraxa Street, Centre Wellington, Ontario N1M 1C6 | HomeSearchCanada

$489,900

Unit 10

65 DOM

3165d

Map

DOM 65

$489,900

DOM65days

Unit 10

465 Garafraxa Street · Centre Wellington · Ontario N1M 1C6

MLS® X13142118 · Fergus · N1M 1C6

31Vacant900-999 ft²Condo TownhouseNoneNo basement65d$516/ft²$0 tax/yrNo basement

65 days on market

About this home

*ACCESSIBLE MAIN FLOOR UNIT* Experience modern comfort and thoughtfully designed living in this brand-new home in the heart of Fergus, offering an accessible-friendly layout with quality finishes. The main floor delivers true convenience with carpet-free living throughout, creating a clean, low-maintenance space. At the rear of the home, you'll find a bright and open kitchen, dining and living area overlooking nature and mature trees, with direct access to the private balcony - an ideal spot to…

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Property details

MLS#: X13142118
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Stacked Townhouse
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 3 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

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-Suite Laundry
Interior: Water Heater Owned, Carpet Free, Primary Bedroom - Main Floor, Wheelchair Access
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® X13142118

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$490K

Unit 10 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $489,900✓ $0 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,011/mo

incl. closing costs (yr 1)

Annual total

$48,130

year 1

Mortgage only

$1,859/mo

principal + interest

Beyond mortgage

$1,171/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,980

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 × ~950 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%$4,899/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)$28/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $22,302/yr

Property taxes13% $6,273/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,899/yr

Condo fees8% $3,996/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)	$22,302	$1,859/mo
Government & taxes
Land transfer tax(closing)	$6,273	$523/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%)	$4,899	$408/mo
Condo fees
Condo / HOA fees	$3,996	$333/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	$48,130	$4,011/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 10

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs