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Property Type: TownhouseOwnership: Freehold
37 MIDDLETON AVENUE
Centre Wellington (Fergus), ON N1M0G4
MLS® X13772980
$710,000
2 bed2 bath3 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Style
- Bungalow
- Stories
- 1
- Lot size
- 31.1 x 105 FT
- Frontage
- 31.1 feet
R3.81.1
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $4,120.62
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
Description
Welcome to 37 Middleton, a beautifully maintained 2-bedroom, 2-bathroom freehold end-unit bungalow townhome offering bright, easy main-level living in charming Fergus. Filled with natural light and enhanced by 9-foot ceilings, this inviting home features a spacious open-concept floor plan designed for comfortable everyday living and effortless entertaining. The spacious kitchen flows seamlessly into the dining and living areas, creating a warm and welcoming space to gather with family and friends. Two well-appointed bedrooms, including a comfortable primary retreat, provide the convenience of true main-floor living, making this home an excellent option for downsizers, empty nesters, first-time buyers, or anyone looking for a more manageable lifestyle without sacrificing space or comfort. The primary bedroom features a generous walk-in closet and a private ensuite with double sinks and a stand-up shower, while the second bedroom offers convenient ensuite privilege to the additional full bathroom. The unfinished lower level provides excellent potential for additional living space, already framed for an extra bedroom and roughed in for a future bathroom, with plenty of room to create a rec room, home office, gym or additional guest space. Clean, well cared for and move-in ready, this lovely home offers the freedom of freehold ownership in a welcoming community just minutes from historic downtown Fergus, with its charming shops, cafés and restaurants, as well as the scenic Grand River and beautiful Belwood Lake Conservation Area. A wonderful opportunity to enjoy small-town charm, natural surroundings and comfortable, low-maintenance living all in one. Roof '25, freshly painted throughout walls & trim '26. (id:63159)
Listing Information
- MLS®
- X13772980
- Data last synced
- October 19, 2026
RE/MAX ESCARPMENT REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX ESCARPMENT REALTY INC.
MLS® Number: X13772980
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 (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.5% ($46,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$568,000.00
Periodic payment — Principal & Interest (monthly)$3,664.54
Additional monthly expenses (condo fees, tax, utilities, etc.)$343.39
Total monthly cost$4,007.93
Interest paid over 5-yr term$162,790.43
Balance at end of term$510,917.84
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$46,000
Stress test qualifying rate8.19%
Payment you must qualify for$5,148.48
Cash Needed at Closing
Minimum down payment$46,000
Estimated Land Transfer Tax (LTT)$10,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,175
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.
