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Property Type: Detached HouseOwnership: Freehold
180 POVEY ROAD
Centre Wellington (Fergus), ON N1M0J7
MLS® X13705576
$760,000
5 bed4.5 bath2 parking
Open House
Saturday, October 31
2:00 PM – 4:00 PM
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 25.1 x 110.1 FT
- Frontage
- 25.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,345 (2026)
Interior
- Basement
- Finished, Walk out, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Great room | Main level | — |
| Bedroom | Basement | — |
| Kitchen | Basement | — |
| Kitchen | Main level | — |
| Eating area | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Laundry room | Second level | — |
Description
1 bed 1 bath legal basement apartment ,Only 2 Years Old | Modern Semi-Detached | | Fergus .Welcome to this stunning 2-year-old Duncan Model semi-detached home, beautifully designed with a modern elevation and located in one of Fergus's highly sought-after newer communities. Offering approximately 4 bedrooms + 1-bedroom legal basement apartment and 3+1 bathrooms, this exceptional property is ideal for families, investors, or buyers seeking additional rental income.The main level features a bright and spacious open-concept layout with a welcoming foyer, 2-piece powder room, closet, and convenient garage access. The impressive Great Room seamlessly connects to the dining/breakfast area and a beautifully upgraded kitchen featuring extended cabinetry, a large centre island, and ample counter space, with direct access to the backyard.Upstairs, the spacious primary bedroom offers a luxurious 4-piece ensuite and walk-in closet. Three additional generously sized bedrooms, an upgraded full bathroom, and convenient upper-level laundry complete the second floor.The property also features a separate 1-bedroom legal basement apartment, providing an excellent opportunity for rental income, multi-generational living, or additional private accommodation.Enjoy a brick-front exterior, large windows, abundant natural sunlight, modern finishes, and thoughtful upgrades throughout. New grass and driveway are part of the builder's plan and will be completed by the builder.A fantastic opportunity to own a modern, income-generating property in beautiful Fergus. Don't miss this one! (id:63161)
Listing Information
- MLS®
- X13705576
- Tax assessment year
- 2026
- Data last synced
- October 28, 2026
LUXE HOME TOWN REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: LUXE HOME TOWN REALTY INC.
MLS® Number: X13705576
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 Toronto Regional Real Estate Board.
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
Parks (4)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.7% ($51,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$608,000.00
Periodic payment — Principal & Interest (monthly)$3,922.61
Additional monthly expenses (condo fees, tax, utilities, etc.)$362.08
Total monthly cost$4,284.69
Interest paid over 5-yr term$174,254.55
Balance at end of term$546,897.97
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$51,000
Stress test qualifying rate8.19%
Payment you must qualify for$5,497.40
Cash Needed at Closing
Minimum down payment$51,000
Estimated Land Transfer Tax (LTT)$11,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$64,175
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.
