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Property Type: Condo / ApartmentOwnership: Condominium
214 - 645 ST DAVID STREET S
Centre Wellington (Fergus), ON N1M0A9
MLS® X13837120
$449,900
2 bed1 bath1 parking
Amenities
Also listed: Storage - Locker
Property Details
Property & Lot
- Sub-type
- Apartment
R1
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $344/mo
- Annual property tax
- $2,967.37
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
| Utility room | Main level | — |
| Foyer | Main level | — |
Description
Welcome to this well-maintained 2-bedroom, 1-bathroom condo in a desirable and quiet building in Fergus. This thoughtfully cared-for unit offers a comfortable and inviting living space, perfect for first-time buyers, downsizers, or investors. Enjoy the added outdoor space of a private balcony, ideal for your morning coffee or relaxing at the end of the day. The unit has been well taken care of and is ready for its next owner to move in and enjoy. Located close to a variety of amenities, including shopping, dining, parks, and everyday conveniences, this condo offers a great combination of peaceful living and accessibility. A wonderful opportunity to own a well-kept condo in a sought-after Fergus location! (id:63159)
Listing Information
- MLS®
- X13837120
- Data last synced
- October 18, 2026
Royal LePage RCR Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage RCR Realty
MLS® Number: X13837120
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
Restaurants (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($22,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,920.00
Periodic payment — Principal & Interest (monthly)$2,322.08
Additional monthly expenses (condo fees, tax, utilities, etc.)$591.67
Total monthly cost$2,913.75
Interest paid over 5-yr term$103,154.11
Balance at end of term$323,749.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,313.99
Cash Needed at Closing
Minimum down payment$22,495
Estimated Land Transfer Tax (LTT)$5,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,468
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.