Loading…
Property Type: Detached HouseOwnership: Freehold
471 GARAFRAXA STREET E
Centre Wellington (Fergus), ON N1M1E6
MLS® X13810422
$649,900
4 bed2 bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 80 x 130 FT
- Frontage
- 80 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,320 (2026)
Interior
- Basement
- Crawl space
- Heating
- Heat Pump, Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Family room | Main level | — |
| Utility room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Main level | — |
| Office | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
Description
Welcome to this charming four-bedroom brick bungalow, set on a large lot and offering comfortable main floor living with plenty of space for the whole family. Carpet-free throughout, this inviting home combines character, functionality, and an abundance of natural light. A covered front porch, tucked privately from the road, welcomes you into the bright and open living and dining space. Inside, you'll find a cozy wood-burning fireplace, oversized picture windows, exposed wooden beams, and a warm, airy atmosphere. The renovated kitchen is a true cook's dream, featuring an abundance of cabinetry and counter space, a spacious island, large windows, and beautiful finishes. Four generously sized bedrooms with plenty of closet space and hardwood floors. The flexible primary suite provides the option for an office or work-from-home space, along with ensuite access to the renovated four-piece bathroom complete with a relaxing soaker tub and separate shower. A second renovated three-piece bathroom adds convenience and functionality for family and guests. Main floor laundry is conveniently located in a converted bedroom, offering flexibility and the option to easily restore the space to a fourth bedroom if desired. Step out back through the sliding patio doors to discover multiple patios and decks, creating an incredible outdoor entertaining space for family and friends. Two new sheds provide plenty of additional storage for all your tools and outdoor gear. All of this is situated on a large lot, conveniently close to amenities, major commuting routes, and everything the wonderful community of Fergus has to offer. A spacious and versatile home with plenty of character, inside and out. (id:63159)
Listing Information
- MLS®
- X13810422
- Tax assessment year
- 2026
- Data last synced
- October 1, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13810422
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)
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
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.)$360.00
Total monthly cost$3,714.35
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.
