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Property Type: TownhouseOwnership: Condominium
51 - 940 ST DAVID STREET N
Centre Wellington (Fergus), ON N1M0L7
MLS® X13855680
$449,500
2 bed2 bath1 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
R4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $270/mo
- Annual property tax
- $0
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Second level | — |
| Living room | Second level | — |
| Dining room | Second level | — |
| Bedroom | Third level | — |
| Bedroom | Third level | — |
Description
Welcome to this brand new 2 bedroom, 2 bathroom upper unit stacked townhouse in Fergus, offering low-maintenance living in a convenient location. Step inside to find a bright, open-concept layout with quality finishes throughout. The contemporary kitchen is sure to impress, featuring quartz countertops, stainless steel appliances, and ample storage, making it a great space for everyday cooking and entertaining. With two bedrooms and two full bathrooms, there's room for everyone, whether you're a first-time buyer, downsizer, or investor. One parking spot is included. Enjoy everyday convenience with FreshCo, Walmart, and a variety of restaurants just minutes away, plus nearby trails for walking and exploring. You're only 5 minutes to downtown Fergus and 10 minutes to Elora, with their shops, dining, and riverside charm. Brand new, well located, and ready for its first owners to make it home. (id:63161)
Listing Information
- MLS®
- X13855680
- Data last synced
- October 27, 2026
Coldwell Banker Neumann Real Estate
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Neumann Real Estate
MLS® Number: X13855680
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 (3)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($22,475) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,600.00
Periodic payment — Principal & Interest (monthly)$2,320.02
Additional monthly expenses (condo fees, tax, utilities, etc.)$270.21
Total monthly cost$2,590.23
Interest paid over 5-yr term$103,062.39
Balance at end of term$323,461.36
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,475
Stress test qualifying rate8.19%
Payment you must qualify for$3,311.04
Cash Needed at Closing
Minimum down payment$22,475
Estimated Land Transfer Tax (LTT)$5,465
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,440
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.