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Property Type: Detached HouseOwnership: Freehold
428 FLANNERY DRIVE
Centre Wellington (Fergus), ON N1M3P4
MLS® X13738190
$729,900
3 bed2 bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 39.4 x 108.3 FT
- Frontage
- 39.4 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,081.75 (2025)
Interior
- Basement
- Finished, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Second level | — |
| Office | Lower level | — |
| Bedroom 2 | Second level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Dining room | Main level | — |
| Foyer | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Lower level | — |
| Family room | Lower level | — |
Description
Welcome to a home that truly has it all! This wonderful family home offers the perfect combination of comfort, space, privacy, and future income potential. With over 2000 sq ft of living space. Featuring 3 generously sized bedrooms, a finished basement, and a separate side entrance providing easy access to the lower level, this property offers exceptional flexibility for growing families, extended family, or savvy buyers looking for additional income opportunities. Enjoy the peace and privacy of no neighbours directly behind, creating a more open and relaxing backyard setting. Located in a great, family-friendly neighbourhood, you'll be close to schools, parks, shopping, and everyday amenities-making daily life convenient and enjoyable. Whether you're looking for a place to grow your family, a home with room to accommodate guests, or an opportunity to generate additional income, this property is full of possibilities and ready to welcome you home! (id:63159)
Listing Information
- MLS®
- X13738190
- Tax assessment year
- 2025
- Data last synced
- October 4, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13738190
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 (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.6% ($47,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$583,920.00
Periodic payment — Principal & Interest (monthly)$3,767.25
Additional monthly expenses (condo fees, tax, utilities, etc.)$340.15
Total monthly cost$4,107.40
Interest paid over 5-yr term$167,353.15
Balance at end of term$525,237.93
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$47,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,287.35
Cash Needed at Closing
Minimum down payment$47,990
Estimated Land Transfer Tax (LTT)$11,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$60,563
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.
