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Property Type: Detached HouseOwnership: Freehold
952 GZOWSKI STREET
Centre Wellington (Fergus), ON N1M3V9
MLS® X13723162
$699,900
3 bed1 bath3 parking
Open House
Saturday, October 31
11:30 AM – 1:00 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 39.4 x 108.3 FT
- Frontage
- 39.4 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,383 (2025)
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Recreational, Games room | Lower level | — |
| Laundry room | Lower level | — |
| Other | Lower level | — |
Description
OPEN HOUSE - SATURDAY OCTOBER 3,2026. 11:30 AM - 1:00 PM. Great Starter or Retirement Home! Charming 3 bedroom open-concept bungalow located in a great family neighbourhood in the North end of Fergus. This nicely maintained home is in move-in ready condition and features hardwood floors, bay window, gas fireplace and more. The lower level is partially finished, but still offers lots of potential to finish as required. A spacious 2 level rear deck offers a peaceful, treed area to relax. Take advantage of living in Centre Wellington. Make the move to Fergus. (id:63161)
Listing Information
- MLS®
- X13723162
- Tax assessment year
- 2025
- Data last synced
- October 29, 2026
Royal LePage RCR Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage RCR Realty
MLS® Number: X13723162
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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$365.25
Total monthly cost$3,977.66
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
