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Property Type: Detached HouseOwnership: Freehold
339 GARAFRAXA STREET E
Centre Wellington (Fergus), ON N1M1E4
MLS® X13722018
$689,900
3 bed2.5 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 75 x 110 FT
- Frontage
- 75 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,843
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas, Wood
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Family room | Main level | — |
| Bathroom | Second level | — |
| Mud room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Den | Main level | — |
| Bathroom | Main level | — |
| Dining room | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Other | Second level | — |
Description
Some houses are more than houses. They're the beginning of a love story. Think back to the movie that captured our hearts, The Notebook. The old house, the character, the charm, and the feeling that with a little love, it could become something truly special. 339 Garafraxa St E in Fergus has that same kind of magic. This century detached home has the character and warmth that simply can't be replicated in a new build. It has lived a life already and now it's ready for the next family to add their own chapter. While the romance of an older home is here, the stress of taking on all the major work isn't. The important updates have already been taken care of. The roof, plumbing, electrical, kitchen and bathrooms have all been recently completed, and the fireplace has been WETT certified. So instead of worrying about where to begin, you can simply move in, settle in and enjoy the home. Then add your own touches over time. This could be an especially wonderful opportunity for a family who wants to get into the Fergus market, appreciates the charm of an older home, and has a little creativity. You don't need to transform this house overnight. It's already a home. Remember when Noah took an old house and made it a place we all wanted to come home to in The Notebook, this home offers that same opportunity, a beautiful starting point with the major work already behind you and the freedom to make it uniquely yours. Imagine the years ahead, family dinners, birthdays, Christmas mornings, summer evenings and all those ordinary Tuesday nights that somehow become the memories you remember most. A century of stories have already been written here. Now it's your turn. (id:63161)
Listing Information
- MLS®
- X13722018
- Data last synced
- October 26, 2026
Keller Williams Home Group Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty
MLS® Number: X13722018
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: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$320.25
Total monthly cost$3,881.05
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,008.22
Cash Needed at Closing
Minimum down payment$43,990
Estimated Land Transfer Tax (LTT)$10,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,763
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.
