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Property Type: Detached HouseOwnership: Freehold
320 GARAFRAXA STREET E
Centre Wellington (Fergus), ON N1M1E3
MLS® X13840752
$649,900
3 bed2 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 82.5 x 86 FT
- Frontage
- 82.6 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,157 (2026)
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
Stop searching and start enjoying! This renovated, almost 1,300 sqft, storey-and-a-half is the perfect opportunity for first time buyers or downsizers who want a bit of style, comfort and exceptional outdoor living, without the work of a complete renovation. With 3 bedrooms and 2 baths, this inviting home combines modern finishes with a warm, relaxed atmosphere. The 2-car garage provides plenty of room for vehicles, recreational equipment and additional storage, making this home as functional as it is inviting. The outdoor space is where this property truly comes alive. Professionally landscaped grounds surround a charming, Muskoka-inspired storage shed and beautiful flagstone patio with outdoor hearth, creating the ideal setting for morning coffee, summer entertaining or cozy evenings gathered around the fire. (id:63161)
Listing Information
- MLS®
- X13840752
- Tax assessment year
- 2026
- Data last synced
- October 24, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13840752
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: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$346.42
Total monthly cost$3,700.76
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
