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Property Type: Detached HouseOwnership: Freehold
136 HARPIN WAY E
Centre Wellington (Fergus), ON N1M0G9
MLS® X13818582
$1,299,000
6 bed6.5 bath7 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 49.9 x 128.1 FT
- Frontage
- 49.1 feet
R1B.66.3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,648 (2025)
Interior
- Basement
- Finished, Full, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Primary Bedroom | Basement | — |
| Bedroom 2 | Basement | — |
| Recreational, Games room | Basement | — |
| Kitchen | Basement | — |
| Laundry room | Basement | — |
| Bathroom | Basement | — |
| Bathroom | Second level | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Foyer | Main level | — |
| Office | Main level | — |
Description
BRAND NEW LEGAL BASEMENT APARTMENT. Welcome to 136 Harpin Way E, Fergus! This exceptional 4+2 bedroom, 3.5 +2 bathroom executive home offers an impressive combination of luxury, functionality, privacy, and income potential. Ideally situated in a desirable Fergus neighbourhood and backing onto Beatty Line with no rear neighbours, this beautifully upgraded residence provides a peaceful setting with convenient access to Guelph, Kitchener-Waterloo, the GTA, downtown Fergus, and Elora. The bright open-concept main level features coffered ceilings, statement chandeliers, and extensive upgrades throughout. The chef-inspired kitchen showcases a large centre island, quartz countertops, and custom cabinetry, creating a perfect space for everyday living and entertaining. A main-floor office adds flexibility for today's lifestyle. The upper level features a spacious primary retreat with a spa-inspired en-suite, additional en-suite bathrooms, and a bedroom with access to a private balcony. A major highlight is the BRAND-NEW, FULLY FINISHED 2-BEDROOM, 2-BATHROOM LEGAL BASEMENT APARTMENT, complete with a separate entrance, kitchen, living/dining area, recreational room, separate laundry, storage, and pot lights throughout. An excellent option for rental income, extended family, or additional living space. Enjoy the outdoors in the fully fenced, professionally landscaped backyard, featuring a deck, gazebo, and graceful trees-an inviting private setting for entertaining, family gatherings, or relaxing outdoors Move-in ready and thoughtfully designed, this rare offering combines high-end finishes, generous living space, a private backyard, and a brand-new legal basement apartment. (id:63159)
Listing Information
- MLS®
- X13818582
- Tax assessment year
- 2025
- Data last synced
- September 24, 2026
LUXE HOME TOWN REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: LUXE HOME TOWN REALTY INC.
MLS® Number: X13818582
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 Toronto Regional Real Estate Board.
Location Insights
Weather
Nearest station: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 8.1% ($104,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,039,200.00
Periodic payment — Principal & Interest (monthly)$6,704.57
Additional monthly expenses (condo fees, tax, utilities, etc.)$637.33
Total monthly cost$7,341.90
Interest paid over 5-yr term$297,837.71
Balance at end of term$934,763.76
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$104,900
Stress test qualifying rate8.19%
Payment you must qualify for$9,258.74
Cash Needed at Closing
Minimum down payment$104,900
Estimated Land Transfer Tax (LTT)$22,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$128,855
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.