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Property Type: Detached HouseOwnership: Freehold
289 GARAFRAXA STREET E
Centre Wellington (Fergus), ON N1M1E2
MLS® X13657174
$669,900
3 bed2.5 bath8 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 58.3 x 103.4 FT
- Frontage
- 58.3 feet
R1B
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,931 (2026)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
Description
Welcome to this beautifully updated bungalow, perfectly blending modern comfort with exceptional outdoor living. Set on a mature lot surrounded by towering trees, this move-in-ready home offers stylish interiors, inviting gathering spaces, and a private backyard retreat designed for relaxation and entertaining. Step inside to discover a bright, refreshed kitchen featuring updated countertops, sink, painted cabinetry with modern hardware, and an abundance of natural light. The open-concept living and dining areas create a warm, welcoming atmosphere, enhanced by updated flooring, contemporary lighting, and neutral finishes that complement any décor. The spacious living room overlooks the backyard and flows effortlessly into the dining area, creating comfortable spaces for everyday living, hosting friends, or simply enjoying a quieter pace of life. Well-appointed bedrooms offer comfortable retreats, while the updated bathrooms feature modern touches and illuminated mirrors. The real showstopper is the backyard oasis. Enjoy summer evenings on the expansive covered deck, unwind beneath pergola, or gather around the stone patio lounge area. Fully fenced and surrounded by mature landscaping, the yard provides privacy, beauty, and low-maintenance enjoyment. Recent exterior improvements include a new backyard fence, and updated landscaping. Numerous recent upgrades provide peace of mind, including replacement windows, updated flooring in the foyer and kitchen, nearly all new main-floor lighting, new ceiling fans, updated electrical outlets, a new water softener, new washer and dryer, and a new furnace motor. Ideally located in an established neighbourhood close to parks, shopping, dining, healthcare services, schools, and everyday amenities, this home offers broad appeal for families, professionals, empty nesters, and downsizers alike. A rare opportunity to own a thoughtfully updated bungalow with an incredible backyard retreat-simply move in and enjoy. (id:63161)
Listing Information
- MLS®
- X13657174
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
RE/MAX Real Estate Centre Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc
MLS® Number: X13657174
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: 6.3% ($41,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$535,920.00
Periodic payment — Principal & Interest (monthly)$3,457.57
Additional monthly expenses (condo fees, tax, utilities, etc.)$327.58
Total monthly cost$3,785.16
Interest paid over 5-yr term$153,596.21
Balance at end of term$482,061.77
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$41,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,868.65
Cash Needed at Closing
Minimum down payment$41,990
Estimated Land Transfer Tax (LTT)$9,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$53,363
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.
