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Property Type: Detached HouseOwnership: Freehold
114 BELLAMY CRESCENT
Centre Wellington (Fergus), ON N1M3S6
MLS® X13750170
$849,900
5 bed2 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 40 x 128 FT
- Frontage
- 40 feet
R3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,132 (2025)
Interior
- Basement
- Finished, Full, Apartment in basement, Separate entrance, Walk out, Walk-up, N/A, N/A, N/A, N/A
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Ground level | — |
| Dining room | Basement | — |
| Bedroom | Basement | — |
| Bedroom 2 | Basement | — |
| Bathroom | Basement | — |
| Utility room | Basement | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Kitchen | Basement | — |
Description
Welcome to 114 Bellamy Cres, a LEGAL duplex, raised bungalow located in a family neighbourhood of historic and picturesque Fergus. The main floor unit opens into a foyer that affords access to the attached insulated single garage. Up the stairs to the main floor you will find your open concept living area complete with a vaulted ceiling in the living room. The kitchen, adjacent to the dining area, has a practical layout, and includes a coffee bar with additional cabinetry for kitchen storage as well as a walk-out to the raised deck. The hallway leads to your 4-pc bathroom, in-suite laundry facilities as well as the bedrooms. The primary bedroom is generously sized and easily accommodates a king-sized bed while the other 2 bedrooms also offer plenty of space and closets for clothing storage. Around the side of the home is the separate entrance to the lower unit, a 2-bedroom that certainly doesn't feel like your typical basement apartment. You walk into the kitchen area that adjoins the dining and living areas in an open concept fashion to find yourself in a bright space, as the raised bungalow style of this home allows for full sized windows in the basement providing the space with an abundance of natural light. This unit also features a 4-pc bathroom and its own laundry facilities located in the utility room of the home. One further feature of the home is the nicely sized and fully fenced backyard, complete with storage shed, perfect for yard games, the lawnmower and all your gardening supplies. This home is perfect for those looking for a built-in mortgage helper; live in one unit and rent the other OR affords the perfect opportunity for multi-generational living while not compromising privacy. Additional details and bonuses; 2 hydro metres, roof 2018, owned commercial water heater (2026), home plumbed for central vac (id:63161)
Listing Information
- MLS®
- X13750170
- Tax assessment year
- 2025
- Data last synced
- October 22, 2026
Coldwell Banker WIN Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker WIN Realty
MLS® Number: X13750170
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
Restaurants (4)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($59,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$679,920.00
Periodic payment — Principal & Interest (monthly)$4,386.61
Additional monthly expenses (condo fees, tax, utilities, etc.)$344.33
Total monthly cost$4,730.95
Interest paid over 5-yr term$194,867.03
Balance at end of term$611,590.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$59,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,124.76
Cash Needed at Closing
Minimum down payment$59,990
Estimated Land Transfer Tax (LTT)$13,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,963
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.
