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Property Type: Detached HouseOwnership: Freehold
232 TAIT CRESCENT
Centre Wellington (Fergus), ON N1M3P6
MLS® X13886232
$599,900
3 bed2.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 30.7 x 100.3 FT
- Frontage
- 30.8 feet
R3.3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,265 (2026)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to this nicely updated 3 bed, 2 bath end-unit link home in the south end of Fergus. Close to schools and shopping, with easy access to Hwy 6, Guelph, and the 401. The main floor has waterproof vinyl laminate flooring, making cleaning a breeze, while the 2nd floor features beautiful hardwood floors with only the primary and stairs carpeted. Being an end unit means a wider lot, access down the side of the home, and a side window on the 2nd floor. Greenspace behind gives the feeling of space and nature and no rear neighbours. A large deck across the back of the home and a raised garden bed along the back provides lots of space for outdoor enjoyment! Updates include: 2022 - Bathfitters upstairs tub surround and flooring on main floor; 2023 - Chlorine filter and Water softener; 2020 - new appliances; 2011 - Furnace and Roof (AM Roofing, warranty transferable) (id:63161)
Listing Information
- MLS®
- X13886232
- Tax assessment year
- 2026
- Data last synced
- October 26, 2026
LPT REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: LPT REALTY
MLS® Number: X13886232
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: 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 (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$272.08
Total monthly cost$3,368.36
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,380.17
Cash Needed at Closing
Minimum down payment$34,990
Estimated Land Transfer Tax (LTT)$8,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,963
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.
