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Property Type: Detached HouseOwnership: Freehold
43 HARPIN WAY W
Centre Wellington (Fergus), ON N1M0H8
MLS® X13770958
$769,900
4 bed3.5 bath2 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 30.2 x 108.4 FT
- Frontage
- 30.2 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,822
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 | — |
| Bedroom | Second level | — |
| Laundry room | Second level | — |
| Kitchen | Main level | — |
| Bathroom | Second level | — |
| Dining room | Main level | — |
| Eating area | Main level | — |
| Office | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
Description
Welcome to this beautiful newer 4-bedroom home offering over 2,000 sq. ft. of spacious, bright and thoughtfully designed living space. The main floor features 9' ceilings, creating an inviting sense of space throughout, along with a convenient office - perfect for working from home or managing busy family life. The bright, open-concept living area is ideal for both everyday living and entertaining, with a cozy gas fireplace providing a warm focal point.The stylish kitchen is designed for the home chef, featuring quartz countertops and plenty of workspace for family meals and gatherings. Upstairs, the spacious primary bedroom offers a walk-in closet and beautiful ensuite, creating a comfortable private retreat. Three additional bedrooms provide plenty of room for family, guests or additional office space. Outside, enjoy the fully fenced yard, perfect for children, pets and summer entertaining. Located in a great family-friendly area, this home offers the space, style and functionality today's families are looking for. (id:63159)
Listing Information
- MLS®
- X13770958
- Data last synced
- September 20, 2026
Coldwell Banker Neumann Real Estate
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Coldwell Banker Neumann Real Estate
MLS® Number: X13770958
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
Parks (5+)
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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.)$401.83
Total monthly cost$4,375.54
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.
