$387,500
Centre Wellington
490 Spruce Street, Centre Wellington, Ontario, N1M2W5
This 3-bedroom, 1-bathroom home in Centre Wellington is for sale offering roughly 900 sq ft of space.
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** (id:66096)
Room details as supplied by the listing brokerage. Dimensions are shown in the unit the listing states, and are approximate.
Features and services as supplied by the listing brokerage.
Long Listed: 157 days on market, against an average age of 56 days across the listings currently for sale in this city
This 3-bed single family in Centre Wellington is available now. Want me to connect you with the agent or keep you posted on any price updates?
Approximate location — exact address confirmed upon showing
This home lists at $387,500, about 4.1× the local median household income of $95,000.
Carrying it typically needs a household income of about $75,692 (20% down, 25-yr amortization, stress-tested) — within reach of the area median.
Source: Statistics Canada, 2021 Census (FSA N1M)
Pick a time that suits you. A verified local agent confirms within 24h.
Loading rates, 30-yr amortization
Cash Needed to Close
Rates via our partner mortgage brokers at iShopRates · Estimates only, not financial advice




Estimate the monthly cashflow if you bought this home as a rental. Every figure below is an editable estimate. This is education only, not financial advice.
Enter the monthly rent you expect, or adjust our estimate.
Enter an estimated monthly rent to see the cashflow.
Estimates only, not a mortgage approval or financial advice. Rate, taxes, and allowances are assumptions you can edit above.