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Property Type: Detached HouseOwnership: Freehold
234 PHILIP COURT W
Centre Wellington (Fergus), ON N1M3M9
MLS® X14082934
$769,900
3 bed2.5 bath8 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 71.6 x 124 FT
- Frontage
- 71.7 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,144
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Recreational, Games room | Lower level | — |
| Office | Lower level | — |
| Laundry room | Lower level | — |
Description
Welcome to this beautifully maintained 3-bedroom, 2-bathroom, two-storey home, ideally situated on a quiet, family-friendly dead-end court in a sought-after neighbourhood.This large lot is surrounded by mature landscaping and conveniently located close to schools, parks, churches and everyday amenities, this inviting home offers the perfect combination of comfort, privacy and location, impressive curb appeal welcomes you with attractive landscaping and a stamped concrete front entrance. Inside, the spacious main level features elegant formal living and dining rooms with laminate flooring, complemented by French doors that add both character and privacy.At the heart of the home is the beautifully renovated eat-in kitchen, thoughtfully designed with an abundance of cabinetry, quartz counters ,a large pantry and dedicated coffee bar. A walkout provides a seamless transition to the private, fully fenced backyard-an exceptional outdoor retreat featuring a gorgeous heated inground pool.Spend summer days relaxing poolside or entertaining family and friends in your own backyard oasis. The expansive stamped concrete patio offers a stylish, low-maintenance setting with plenty of space for outdoor dining, lounging, pool parties and family gatherings.Upstairs, you'll find three generously sized bedrooms, including a spacious primary bedroom with ensuite privilege.The finished lower level extends the living space with a large recreation room, separate office and laundry area, providing flexibility for a home office, media room or additional family space.Notable updates include the roof (2017), pool heater and pump (2020), pool filter (2026) and water softener (2021) . A large double attached garage completes the home, offering ample parking, storage and workspace.*A wonderful opportunity to enjoy comfortable family living, a private backyard oasis and an exceptional court location. Simply move in and enjoy!* (id:63159)
Listing Information
- MLS®
- X14082934
- Data last synced
- October 19, 2026
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: not provided
MLS® Number: X14082934
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 (4)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.8% ($51,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$615,920.00
Periodic payment — Principal & Interest (monthly)$3,973.71
Additional monthly expenses (condo fees, tax, utilities, etc.)$345.33
Total monthly cost$4,319.04
Interest paid over 5-yr term$176,524.44
Balance at end of term$554,022.03
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$51,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,566.49
Cash Needed at Closing
Minimum down payment$51,990
Estimated Land Transfer Tax (LTT)$11,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$65,363
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.
