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Property Type: Detached HouseOwnership: Freehold
134 BELLAMY CRESCENT
Centre Wellington (Fergus), ON N1M3S6
MLS® X14028256
$679,900
3 bed2 bath5 parking
Open House
Saturday, October 31
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 40 x 134 FT
- Frontage
- 40 feet
R3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,554 (2025)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Utility room | Basement | — |
| Laundry room | Basement | — |
| Other | Basement | — |
| Other | Basement | — |
| Bathroom | Basement | — |
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Primary Bedroom | Second level | — |
| Other | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
Description
Mornings on the front stone patio, evenings around the backyard fire pit, weekends at the Elora Gorge. 134 Bellamy Crescent is small-town living done right. Set on a quiet, tree-lined crescent in Fergus' north end, this lovingly maintained 3-bedroom, 2-bathroom, two-storey detached home delivers space and privacy. Curb appeal abounds with a patterned interlocking-stone driveway, a front stone patio behind mature privacy hedges, and landscaped garden beds. Inside, the bright main floor centres on a spacious living room with wide-plank floors and sliding patio doors, while the eat-in kitchen offers white cabinetry, tiled floors and a sun-filled window. Upstairs you'll find three bedrooms, including a roomy primary retreat, and a 4-piece main bathroom with an extra-long vanity. The partially finished basement adds a rec room, a 3-piece bathroom, laundry and ample storage, ready to finish as a theatre room, home gym, office or guest space. Outside, the fully fenced backyard stretches across a deep 40 x 135 ft lot, a private oasis with mature trees and a fire-pit area for long summer evenings. All of this just steps from multiple schools and parks, and minutes to downtown Fergus' shops and restaurants along the Grand River, Groves Memorial Community Hospital and the Centre Wellington Community Sportsplex. And when the weekend comes, one of Ontario's most beloved landmarks is at your doorstep: the Elora Gorge, with towering limestone cliffs, river trails and tubing, plus the shops, cafés and restaurants of Elora village just minutes away. Highway 6 puts Guelph about 25 minutes away. This is Centre Wellington living at its best. A pre-listing home inspection has already been completed, with the full report available for review, so you know you are buying a quality, well-maintained home. Don't miss it! (id:63161)
Listing Information
- MLS®
- X14028256
- Tax assessment year
- 2025
- Data last synced
- October 29, 2026
Real Broker Ontario Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Real Broker Ontario Ltd.
MLS® Number: X14028256
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: 6.3% ($42,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$543,920.00
Periodic payment — Principal & Interest (monthly)$3,509.19
Additional monthly expenses (condo fees, tax, utilities, etc.)$296.17
Total monthly cost$3,805.35
Interest paid over 5-yr term$155,889.04
Balance at end of term$489,257.80
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$42,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,938.44
Cash Needed at Closing
Minimum down payment$42,990
Estimated Land Transfer Tax (LTT)$10,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$54,563
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.
