490 Spruce Street, Centre Wellington, ON N1M 2W5
Centre Wellington, ON N1M 2W5
Quick cost estimateKnown monthly subtotal$1,834.76 / monthLand transfer tax $4,287.50One-time estimate
Quick cost estimate
$1,834.76 / monthKnown monthly subtotal
- Mortgage principal & interest
- $1,802.98
- Property tax / month
- $31.79
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $4,287.50
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $4,287.50
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Welcome to 490 Spruce Street in the highly sought-after year-round section of Maple Leaf Acres, one of Ontario's premier four-season recreational communities on beautiful Lake Belwood. This well-maintained 3-bedroom, 1-bathroom home offers affordable year-round living with exceptionally low carrying costs, including lot fees of just $371.21/month (2026) and property taxes of only $381.47 for the entire year (2025). The open-concept living, dining and kitchen area creates a bright, connected space that's ideal for entertaining or keeping an eye on children and grandchildren. The unique layout includes a side entrance leading directly to the den/flex space, making it ideal for a home office, hobby room, guest area, or multi-generational living arrangement. Designed for easy ownership, the home features durable metal siding and a lifetime metal roof, propane furnace, on-demand hot water system, reverse osmosis water filtration system, concrete driveway, and additional outdoor storage beneath the home as well as a large garden shed. The property is currently vacant, allowing for immediate possession and flexible showings. Life at Maple Leaf Acres feels like a permanent vacation. Residents enjoy access to an indoor saltwater pool and hot tub, outdoor swimming pool, recreation hall, seasonal restaurant, dog park, playgrounds, sports fields, walking trails, and community activities. Outdoor enthusiasts will appreciate direct access to Lake Belwood, including a private boat launch for fishing, boating, and endless summer enjoyment. Located just 10 km east of Fergus, the community offers convenient access to Guelph, Kitchener-Waterloo, Hamilton and the GTA while maintaining a peaceful resort-style atmosphere. With low monthly fees and remarkably low annual taxes, this move-in-ready home offers an affordable opportunity to enjoy year-round living in one of Ontario's most desirable recreational communities. **Please note, some photos have been virtually staged**
Home details
- Days on market
- Not reported
- Property type
- Modular Home
- MLS® number
- X13229896
- Source status
- Price Change
- Bedrooms
- 3
- Bathrooms
- 1
- Postal code
- N1M 2W5
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 700-1100
- Lot depth
- 75 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 2
- Occupancy
- Vacant
- Possession type
- Immediate
- Garage
- None
- Annual property tax
- 381.47
- Basement
- None
- Interior features
- On Demand Water Heater, Primary Bedroom - Main Floor, Water Heater Owned, Water Treatment
- Architectural style
- Bungalow
- Parking features
- Private
- Pool features
- Community, Indoor, Outdoor
- Fireplace
- No
- Waterfront
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Propane
- Cooling
- Central Air
- Water source
- Comm Well
- Sewer
- Sewer
- Direction facing
- East
- Construction materials
- Metal/Steel Siding
- Roof
- Metal
- Foundation
- Post & Pad
- MLS entry age (not confirmed DOM)
- 157 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Water source
- Comm Well
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Propane
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 9
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $387,500
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- WELLINGTON
- Municipality
- CENTRE WELLINGTON
- MLS® community
- Rural Centre Wellington East
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Around this property
Schools, transit & everyday places
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Nearby schools
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Transit near this property
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Nearby shops & amenities
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Similar homes for sale in Centre Wellington
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
490 Spruce Street, Centre Wellington, ON N1M 2W5, Centre Wellington is listed for sale as a Modular Home. The listing reports 3 bedrooms, 1 bathrooms, reported interior area of 700-1100 (units not reported), kitchens reported as 1, parking spaces reported as 2. Asking price: $387,500. Occupancy is reported as Vacant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13229896.
Local context
Explore the area: Centre Wellington · Rural Centre Wellington East.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: REAL BROKER ONTARIO LTD.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13229896. Information deemed reliable but not guaranteed.