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$775K · 2 bed Condo Apartment · Unit 306, 478 St Andrew Street, Centre Wellington, Ontario N1M 3V7 | HomeSearchCanada

$775,000

Unit 306

36 DOM

2336d

Map

DOM 36

Waterfront

$775,000

DOM36days

Unit 306

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

MLS® X13455116 · Fergus · N1M 3V7

23Vacant1400-1599 ft²Condo Apartment2-car DetachedNo basement36d$517/ft²$5,105 tax/yrNo basement

36 days on market

About this home

Experience the charm of exposed stone walls, dramatic wood beams, soaring ceilings, and panoramic river views in one of Fergus's most distinctive penthouse residences.This exceptional suite offers unobstructed views of the Grand River. Elevated above it all, this architecturally distinctive home seamlessly blends character, comfort, and sophistication in a truly unique setting.The main floor boasts an open-concept design, with the kitchen flowing effortlessly into the dining and living areas. Th…

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Property details

MLS#: X13455116
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 3 full, 0 half
Rooms: 10
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 2-Storey
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 5 pc · Main; 2 pc · Second; 4 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Roof: Metal
Foundation: Poured Concrete, Stone
Property features: Arts Centre, Hospital, Library, Place Of Worship, School, River/Stream

Fireplaces: 1
Fireplace features: Electric

View: Park/Greenbelt, Water, River

Waterfront: Yes
Water view: Direct,Unobstructive
Water body: Grand River
Shoreline: Rocky
Waterfront features: River Front

Condo corp #: 124
Balcony: Open
Locker: Owned
Association amenities: BBQs Allowed, Bike Storage, Elevator, Rooftop Deck/Garden, Visitor Parking
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 2-car Detached
Garage spaces: 2
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Exterior: Stone · Landscaped, Patio, Privacy, Year Round Living, Deck
Fronting on: —
Cross street: St. Andrew St E
Stories: 3
Utilities: —
Laundry: In-Suite Laundry
Laundry level: Main Level
Interior: Primary Bedroom - Main Floor
Parking features: None

Additional listing data

ListAOR: One Point Association of REALTORS

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: Coldwell Banker Neumann Real Estate

Source: TRREB/PROPTX · MLS® X13455116

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$775K

Unit 306 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $775,000✓ $5,105 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,307/mo

incl. closing costs (yr 1)

Annual total

$87,680

year 1

Mortgage only

$2,940/mo

principal + interest

Beyond mortgage

$2,910/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$155,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$425/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$7,750/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)$117/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $35,281/yr

Property taxes19% $17,080/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $7,750/yr

Condo fees19% $16,908/yr

Closing costs6% $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)	$35,281	$2,940/mo
Government & taxes
Property tax	$5,105	$425/mo
Land transfer tax(closing)	$11,975	$998/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%)	$7,750	$646/mo
Condo fees
Condo / HOA fees	$16,908	$1,409/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	$87,680	$7,307/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 306

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs