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Property Type: Condo / ApartmentOwnership: Condominium
107 - 103 WESTMINSTER CRESCENT
Centre Wellington (Fergus), ON N1M0C6
MLS® X13674912
$425,000
2 bed1 bath1 parking
Amenities
Visitor Parking
Property Details
Property & Lot
- Sub-type
- Apartment
R3.763.6
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $362/mo
- Annual property tax
- $2,336 (2026)
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Primary Bedroom | Main level | — |
Description
MAIN FLOOR, MAINTENANCE FREE LIVING at its best!! If you are looking for a condo in Fergus, it doesn't get better than this for under $450k! Just move in and enjoy this completely updated, modern 2 bedroom condo on the S. End of Fergus, easy for commuters to Guelph, KW, Orangeville and the GTA! This stunning main floor unit is conveniently located with easy access to walk out the side entrance to the many trails, ideal for owners with a dog! Enjoy the private balcony with no neighbours behind or beside as this is an end unit so you are not sharing a wall or balcony with any other units! Upgrades galore including new quartz counter top with breakfast bar, all new high end appliances including in unit laundry, stainless steel dishwasher, double oven/stove and large fridge with touch screen/Bluetooth capability! Carpet free with updated flooring, updated lighting in the bathroom, custom blinds and walk in closet plus programmable smart thermostat and Smart Lock on the keyless entry door for additional security. The location in this quiet building is fantastic, great for people with mobility issues or pets! You don't even need to wait for an elevator! Complete privacy on your balcony with views of green space behind! Flexible closing available. Condo fees are $362 including water and parking (1 outside spot with lots of visitor parking #42). Building offers a full community / party room with kitchen which can be used for public or private for events. (id:63159)
Listing Information
- MLS®
- X13674912
- Tax assessment year
- 2026
- Data last synced
- October 15, 2026
Keller Williams Inspire Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Inspire Realty
MLS® Number: X13674912
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Central Lakes Association of REALTORS®.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (4)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($21,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$340,000.00
Periodic payment — Principal & Interest (monthly)$2,193.56
Additional monthly expenses (condo fees, tax, utilities, etc.)$556.67
Total monthly cost$2,750.23
Interest paid over 5-yr term$97,444.98
Balance at end of term$305,831.10
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,250
Stress test qualifying rate8.19%
Payment you must qualify for$3,130.57
Cash Needed at Closing
Minimum down payment$21,250
Estimated Land Transfer Tax (LTT)$4,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,725
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.