645 St David Street S 214, Centre Wellington

$449,900
645 St David Street S 214

$449,900

New
25d
Condo Apartment1 Storey/Apt

645 St David Street S 214, Centre Wellington

Total Monthly Obligation $2,606

HausQ Valuation Report
Beds
2
Baths
1
Park
1
Sqft
800-899
DOM
25d
Score
17
Yield
4.4%
Cash on Cash
-9.4%
Cap Rate
2.6%
5Y IRR
8.2%
10Y IRR
8.8%
Property Type-Condo Apartment
MLS® Number-X13837120
Beds-2
Bathrooms-1
Size-800-899 sqft
Listed on site-Sep 28, 2026
Style-1 Storey/Apt
Building Type-Condo Apartment
Taxes-$2,967.37 (2026)
Maintenance-$344.39/mo
Locker-Owned
Parking-1 - None
Basement-None
Heating-Forced Air (Electric)
Brokerage-Royal LePage RCR Realty
Cooling-Central Air
Laundry-Yes
Fireplace-No
Pool-None
Exterior-Brick
Possession-Flexible
Neighbourhood-Fergus
Title-Residential Condo & Other

No agent assigned

Welcome to this well-maintained 2-bedroom, 1-bathroom condo in a desirable and quiet building in Fergus. This thoughtfully cared-for unit offers a comfortable and inviting living space, perfect for first-time buyers, downsizers, or investors. Enjoy the added outdoor space of a private balcony, ideal for your morning coffee or relaxing at the end of the day. The unit has been well taken care of and is ready for its next owner to move in and enjoy. Located close to a variety of amenities, including shopping, dining, parks, and everyday conveniences, this condo offers a great combination of peaceful living and accessibility. A wonderful opportunity to own a well-kept condo in a sought-after Fergus location!

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$359,920
Land Transfer Taxes$5,473
Legal Fees (Est.)
$
Total cash required for closing$96,953

Total Monthly Obligation

$2,606/mo
Mortgage $1,815
Monthly Loss $2,129
Principal$478
Interest$1,337
Property Tax$247
Condo Fees$344
Home Insurance$50
Variable Costs$150
Returns
Weight: 25%
Cap Rate
1.8%11
Cash-on-Cash
-13.9%0
5-Year IRR
4.9%11
10-Year IRR
6.8%
Returns Index
6.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$19,776/yr
NOI
$8,298/yr
Net Cash Flow
-$1,123/mo
Cash Margin
-68.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.383
LTV Ratio
80.0%18
Vacancy Buffer
3.7 mo64
Risk Index
28.4/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 645 St David Street S 214

Time

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Data last updated within the past 24 hours.