490 Spruce Street, Centre Wellington, ON N1M 2W5
Rural Centre Wellington East, Centre Wellington · Near Havsumfun Rd. and 5th Line · View map
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**
The home
- Type
- Bungalow
- Style
- Bungalow
- Square footage
- 700-1100 sq ft
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Rooms
- 9
- Basement
- None
- Lot size
- 45 x 75 ft
- Faces
- East
- Approximate age
- 16-30 years
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
- Exterior
- Metal/Steel Siding
Heating & cooling
- Heating fuel
- Propane
- Heating type
- Forced Air
- Air conditioning
- Central Air
- Fireplace
- No
Garage & parking
- Driveway spaces
- 2
- Total parking
- 2
- Parking features
- Private
Taxes & other
- Property taxes
- $381/yr
- Tax year
- 2025
- Occupancy
- Vacant
- Possession
- immediate
- Cross street
- Havsumfun Rd. and 5th Line
- Neighbourhood
- Rural Centre Wellington East
More
- Price per sq ft
- ~$431 (at 900 sq ft)
- Listed
- Jun 2, 2026 · 133 days ago
- MLS® number
- X13229896
No matching details. Ask Will instead
The home and its surroundings
- On Demand Water Heater
- Primary Bedroom - Main Floor
- Water Heater Owned
- Water Treatment
- Lake Access
- Park
- Rec./Commun.Centre
- Lake/Pond
- School Bus Route
- Mortgage
- Property tax
- Maintenance fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
490 Spruce Street, Centre Wellington, ON N1M 2W5
Rural Centre Wellington East, Centre Wellington · Near Havsumfun Rd. and 5th Line
Get directionsWhat’s nearbySchools nearby
Open this tab to load nearby schools.
Your commute
Enter where you go every day to see real drive times:
Listing history for 490 Spruce Street
See what this home and others at the same address were listed for, what they sold for, and how long it took.
Sold prices are for members. It’s free, takes a few seconds, and unlocks the sale history on every listing.
Frequently asked questions about 490 Spruce Street
Answers come straight from this home’s MLS® listing.
How much is 490 Spruce Street listed for, and what would it cost each month?
490 Spruce Street is listed for $387,500. With 20% down ($77,500), the mortgage payment would be roughly $1,563 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $1,595 a month, all in. That figure is an illustration, not a quote.
Is 490 Spruce Street freehold or a condo, and is there a monthly fee?
490 Spruce Street is a bungalow in Rural Centre Wellington East, Centre Wellington. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, so the roof, windows, driveway, snow and lawn are yours to look after.
How many bedrooms and bathrooms does 490 Spruce Street have?
490 Spruce Street has 3 bedrooms and 1 bathroom.
Does 490 Spruce Street have a garage and parking?
The listing does not show a garage. The driveway adds 2 spaces. In total the listing counts 2 parking spaces.
Does 490 Spruce Street have a finished basement?
No. The listing shows no basement for this home.
What style of home is 490 Spruce Street?
490 Spruce Street is a bungalow. A bungalow has all of its main living space, including the bedrooms, on one floor, usually over a full basement.
Does 490 Spruce Street have a pool?
Yes. The listing shows community, indoor, outdoor for the pool. Ask about its age, liner and equipment before you offer, since those are the costly parts to replace.
How big is 490 Spruce Street, and what is the lot size?
The listing puts the home between 700 and 1,100 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement. The lot is listed as 45 x 75 ft.
How is 490 Spruce Street heated and cooled?
Heating is forced air (propane). Cooling is central air.
What are the property taxes for 490 Spruce Street?
Property taxes are $381 a year (2025), or about $32 a month.
Where is 490 Spruce Street?
490 Spruce Street is in the Rural Centre Wellington East community of Centre Wellington. The nearest main intersection is Havsumfun Rd. and 5th Line. The postal code is N1M 2W5.
How long has 490 Spruce Street been on the market?
490 Spruce Street was listed on June 2, 2026. It has been on the market for 133 days. It is an active listing (MLS® X13229896). Listings here update from the board through the day and come down once a home sells.
What are similar bungalows near 490 Spruce Street asking?
Similar bungalow-style homes for sale nearby right now include 465 Spruce Street at $390,000 (1 bed), 12 Second Avenue at $450,000 (3 bed) and 428 Pine Pass at $425,000 (2 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 490 Spruce Street sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 490 Spruce Street?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-619-2256.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar bungalows nearby
More bungalow-style homes for sale near Rural Centre Wellington East, picked by style, size and price.
Bungalow$390,000465 Spruce Street, Centre Wellington1 bed · 1 bath · Rural Centre Wellington EastCourtesy of: ROYAL LEPAGE RCR REALTYView home →
Bungalow$450,00012 Second Avenue, Centre Wellington3 bed · 2 bath · Rural Centre Wellington EastCourtesy of: Your Hometown Realty LtdView home →
Bungalow$425,000428 Pine Pass, Centre Wellington2 bed · 2 bath · Rural Centre Wellington EastCourtesy of: Real Broker Ontario Ltd.View home →Courtesy of: REAL BROKER ONTARIO LTD.
PropTx MLS® assumes no responsibility for the accuracy of any information shown. 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.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax. For illustration only.