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Property Type: Detached HouseOwnership: Freehold
487 HILL STREET E
Centre Wellington (Fergus), ON N1M1H7
MLS® X13717686
$749,900
2 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 60 x 79 FT
- Frontage
- 60 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $0 (2025)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bathroom | Main level | — |
Description
Discover the ease of brand-new, one-level living in this thoughtfully designed 1,100 sq. ft. bungalow to be built by a respected local builder known for quality craftsmanship and attention to detail. The bright, open-concept layout features two generous bedrooms, two bathrooms-including a primary ensuite-and convenient main-floor laundry. Designed with comfort and functionality in mind, this home is ideal for downsizers, professionals or anyone seeking a low-maintenance lifestyle. Buyers may personalize select finishes to create a home that reflects their individual style. Set on a mature, established street, this rare opportunity combines the confidence of new construction and Tarion Warranty protection with the character of an established neighbourhood. Complete with an attached 1.5-car garage and an efficient, well-planned design, this is a quality-built home you will be proud to own. Alternative floor plans, including a bungaloft design, are also available. Buyer must qualify for the enhanced HST rebate. (id:63159)
Listing Information
- MLS®
- X13717686
- Tax assessment year
- 2025
- Data last synced
- September 15, 2026
Century 21 Excalibur Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Century 21 Excalibur Realty Inc
MLS® Number: X13717686
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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.7% ($49,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$599,920.00
Periodic payment — Principal & Interest (monthly)$3,870.48
Additional monthly expenses (condo fees, tax, utilities, etc.)$0.00
Total monthly cost$3,870.48
Interest paid over 5-yr term$171,938.80
Balance at end of term$539,629.98
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$49,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,426.92
Cash Needed at Closing
Minimum down payment$49,990
Estimated Land Transfer Tax (LTT)$11,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,963
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.
