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Property Type: Detached HouseOwnership: Freehold
113 COURTNEY STREET
Centre Wellington (Fergus), ON N1M0E3
MLS® X13674640
$689,900
3 bed3.5 bath5 parking
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 29.5 x 114.9 FT
- Frontage
- 29.6 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,705 (2026)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Recreational, Games room | Basement | — |
Description
Welcome to this beautiful family home, perfectly situated with breathtaking views of picturesque farmer's fields stretching as far as the eye can see! Offering 3 bedrooms and 2.5 bathrooms, this home is filled with natural light thanks to the large windows throughout. The main floor features a bright, open-concept layout with soaring ceilings and a walk-out to the fabulous backyard. Upstairs, you'll find three spacious bedrooms and two full bathrooms, including a primary suite with its own ensuite bathroom and walk-in closet. The partially finished basement provides additional space for the family to enjoy, while the spacious deck in the fully fenced (and super private) backyard is the perfect spot to sip your morning coffee while taking in the stunning views or to entertain family and friends. With garage access from inside the home, parking for four cars in the driveway and a neighbourhood park directly across the street, this home offers both functionality and convenience. Close to shopping, trails, schools, the hospital, and all the amenities you need, this home is perfectly situated in a wonderful neighbourhood and offers an incredible opportunity to call it your own. (id:63161)
Listing Information
- MLS®
- X13674640
- Tax assessment year
- 2026
- Data last synced
- October 29, 2026
Royal LePage Royal City Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Royal City Realty
MLS® Number: X13674640
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 OnePoint 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
Parks (3)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$308.75
Total monthly cost$3,869.55
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,008.22
Cash Needed at Closing
Minimum down payment$43,990
Estimated Land Transfer Tax (LTT)$10,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,763
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.
