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490 Spruce Street

Fergus, Centre Wellington, Ontario N1M 2W5

Overview

At a glance

Days on market126 days
ListedJun 2, 2026
UpdatedAug 9, 2026
Building age16-30 years
Size700-1100 sq ft
Lot45 x 75 Feet
Property taxes$381 (2025)
Parking2 spaces
BasementNone
MLS® numberX13229896
Data sourcePropTx MLS® System
Listing brokerageREAL BROKER ONTARIO LTD.

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**

Details

Property

Style
Bungalow
Building age
16-30
Fronting on
East
Cross street
Havsumfun Rd. and 5th Line
Community
Rural Centre Wellington East
Municipality
Centre Wellington

Inside

Bedrooms above grade
3
Bathrooms
1
Kitchens
1
Basement
None
Family room
Yes
Fireplace
No
Interior features
On Demand Water Heater, Primary Bedroom - Main Floor, Water Heater Owned, Water Treatment

Utilities

Heating
Forced Air
Heating fuel
Propane
Cooling
Central Air
Water
Comm Well
Sewer
Sewer

Building

Construction
Metal/Steel Siding
Foundation
Post & Pad
Roof
Metal
Pool
Community, Indoor, Outdoor

Parking

Garage
None
Parking spaces
2
Total parking
2
Driveway
Private

Land

Frontage
45
Depth
75
Lot size units
Feet
Waterfront
Boat Launch, Dock
Property features
Lake Access, Park, Rec./Commun.Centre, Lake/Pond, School Bus Route
Rooms (9)
RoomLevelSizeFeatures
Foyer3.21 x 3.07Combined w/Laundry
Living Room2.4 x 3.52Combined w/Dining
Dining Room2.85 x 3.52
Kitchen2.54 x 3.5
Bathroom2.24 x 1.97
Primary Bedroom3 x 3.35
Bedroom 22.33 x 3.05
Bedroom 31.91 x 3.05
Den3.02 x 3
Value

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History

Listing history

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Neighbourhood

Around Fergus

Fergus, Centre Wellington

Limestone downtown on the Grand River, with newer subdivisions to the north and east.

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On the map

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Community

Centre Wellington in numbers

Population31,093Up 10.3% since 2016. Ontario grew 5.8%.
Median age44.4Ontario: 41.6
Median household income$101,000Household income in 2020. Ontario: $91,000
Homeowners81%of households own their home. Ontario: 68%
Single-detached homes73%of homes. Ontario: 54%
People per household2.6Ontario: 2.6
Drive to work94%of commuters go by car, truck or van. Average trip 24.7 minutes.
Commute under 30 minutes64%of commuters. Ontario: 62%

Figures are for the whole municipality (census subdivision). Median household income is total household income in 2020, rounded by Statistics Canada. Adapted from Statistics Canada, 2021 Census of Population. This does not constitute an endorsement by Statistics Canada of this product. Statistics Canada Open Licence. Source: Statistics Canada, 2021 Census of Population, tables 98-10-0002, 98-10-0022, 98-10-0057, 98-10-0240 and 98-10-0458 (Web Data Service, retrieved October 6, 2026).

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Costs

What it would cost

%
%
An example rate. Use the one your lender quotes.
Every monthEstimate
Mortgage payment$0
Property tax$0
Monthly total$0
At closing
Ontario land transfer tax$0

Estimates only, not financial advice. Uses Canadian semi-annual compounding, the minimum down payment and mortgage insurance rules, and Ontario’s land transfer tax brackets. Your lender and lawyer confirm the real numbers. Legal fees, title insurance and moving costs aren’t included.

Listing courtesy of REAL BROKER ONTARIO LTD.. Listing information from the PropTx MLS® System. Each listing shows the brokerage that represents it. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. Information is deemed reliable but is not guaranteed accurate by PropTx. Last updated October 7, 2026 at 1:14 p.m..

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