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Property Type: TownhouseOwnership: Freehold
14 SADLER STREET
Centre Wellington (Fergus), ON N1M0E2
MLS® X14083264
$615,000
3 bed4.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
- Lot size
- 19.7 x 114.9 FT
- Frontage
- 19.8 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $3,202
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning, Air exchanger
Description
Welcome to this beautifully laid out FREEHOLD townhome, perfectly positioned directly across from Ryan Park, you'll love the open views and the fact that there are no neighbours in front of you. The private, non-shared driveway comfortably fits two large vehicles, a feature that's not often found in townhomes. Inside, the main floor offers a spacious living room that's thoughtfully separated from the kitchen, creating distinct spaces to relax and entertain. Upstairs, you'll find three generously sized bedrooms, including a spacious primary retreat with a walk-in closet and private ensuite. The beautifully finished basement adds valuable living space along with a full 3-piece bathroom, making it ideal for a family room, home office, gym, or guest suite. Outside, the fully fenced backyard offers plenty of room for kids to play, pets to roam, or even a garden. Set in a quiet, family-friendly neighbourhood, this home combines space, privacy, and everyday practicality in a location that's hard to beat! (id:63159)
Listing Information
- MLS®
- X14083264
- Data last synced
- October 16, 2026
eXp Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: eXp Realty
MLS® Number: X14083264
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of OnePoint Association of REALTORS®.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Grocery (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.9% ($36,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$492,000.00
Periodic payment — Principal & Interest (monthly)$3,174.22
Additional monthly expenses (condo fees, tax, utilities, etc.)$266.83
Total monthly cost$3,441.05
Interest paid over 5-yr term$141,008.61
Balance at end of term$442,555.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$36,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,485.54
Cash Needed at Closing
Minimum down payment$36,500
Estimated Land Transfer Tax (LTT)$8,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,775
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.