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Property Type: Detached HouseOwnership: Freehold
28 PEGLAR CRESCENT
Centre Wellington (Fergus), ON N1M3T3
MLS® X14031252
$639,900
2 bed2 bath3 parking
Open House
Saturday, October 31
12:00 PM – 1:00 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 36 x 103 FT
- Frontage
- 36 feet
R3-7
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,563.43 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Sunroom | Main level | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
Description
Located on a quiet street in an established Fergus neighbourhood, this bungalow offers a functional layout, an attached single-car garage with inside entry, and a private backyard. The main floor features two bedrooms, an updated 4-piece bathroom and a spacious kitchen with extended solid wood cabinetry, an island with convenient pull-out drawers, and an eat-in dining area. The adjoining family room is centered around a custom gas fireplace and provides access to the three-season sunroom, creating a comfortable space to relax or entertain. Outside, the backyard is mature and private, a stone patio, and a garden shed for additional storage. The finished basement offers a large recreation room, office area, a 3-piece bathroom, and a generous unfinished space with plenty of potential for a workshop, home gym, hobby room, or future finished living area. Located close to shopping, parks, schools, churches, and historic downtown Fergus, this solid, low-maintenance home offers comfortable living in a well-established neighbourhood. (id:63161)
Listing Information
- MLS®
- X14031252
- Tax assessment year
- 2026
- Data last synced
- October 29, 2026
Keller Williams Home Group Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty
MLS® Number: X14031252
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 (3)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (condo fees, tax, utilities, etc.)$296.95
Total monthly cost$3,599.69
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$38,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,659.30
Cash Needed at Closing
Minimum down payment$38,990
Estimated Land Transfer Tax (LTT)$9,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,763
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.
