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Property Type: Detached HouseOwnership: Freehold
900 GZOWSKI STREET
Centre Wellington (Fergus), ON N1M3V9
MLS® X14101494
43
Walk Score
41
Bike
$689,900
3 bed2 bath3 parking
43
Walk Score
41
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 33.9 FT
- Frontage
- 33.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,458 (2026)
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes (1)
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Family room | Lower level | — |
| Bathroom | Lower level | — |
| Office | Lower level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to 900 Gzowski Street! Offered at $689,900, this well-maintained, custom-built 4-level backsplit offers 1,834 sq. ft. of above-grade living space, featuring 3 bedrooms, 2 bathrooms, and an attached garage. Built in 2006, this home offers a bright, open-concept main living area with a walkout from the dining room to a south-facing deck, perfect for entertaining or relaxing. The spacious family room features an additional walkout to the fully fenced backyard, providing plenty of space for kids and pets to enjoy. Situated on a corner lot in a desirable Fergus neighbourhood, this home offers a functional layout with multiple living areas and plenty of room for the whole family. Conveniently located close to shopping, schools, parks, and all the amenities Fergus has to offer. Lovingly maintained and ready for its next owners, simply move in and enjoy! (id:63161)
Listing Information
- MLS®
- X14101494
- Tax assessment year
- 2026
- Data last synced
- October 28, 2026
Century 21 Excalibur Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Century 21 Excalibur Realty Inc
MLS® Number: X14101494
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 (2)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$371.50
Total monthly cost$3,932.30
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,008.22
Cash Needed at Closing
Minimum down payment$43,990
Estimated Land Transfer Tax (LTT)$10,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,763
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.
