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Property Type: Detached HouseOwnership: Freehold
45 PEGLAR CRESCENT
Centre Wellington (Fergus), ON N1M3T3
MLS® X13874872
$699,000
4 bed2 bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 41 x 99 FT
- Frontage
- 41 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,405.69 (2026)
Interior
- Basement
- Finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes (1)
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
Description
Welcome to 45 Peglar Crescent! This welcoming 4 bedroom, 2 bath spacious home is situated in a quiet family-friendly neighborhood in the charming historic town of Fergus. Perfect for young families and first time buyers, this versatile backsplit offers a cozy, traditional feeling, plenty of space, and great value. The open concept mainfloor offers a seamless flow between the bright livingroom, dining area and kitchen, with access to the backyard via the side door. Upstairs you'll find 3 bedrooms, with the large master offering cheater access to the main bath which features a luxurious, walk-in theraputic tub/shower combo. The lower level provides plenty of space to spread out, with a large rec-room, 4th bedroom, second full bath and huge windows bringing in tons of natural light. Down one more level is the laundry and utilities, and even more space offering an opportunity for whatever your family needs: workshop, home gym, hobbies or just tons of extra storage! You'll have peace of mind knowing the updates since 2018 include the furnace, A/C, water softener, water heater, hardwood throughout main and lower level, and cozy covered front porch addition with low-maintenace, long lasting composite decking and privacy curtains. Continuing outside, the peaceful, private back yard is fully fenced and features interlocking stone patio, colourful gardens and handy shed. All of this is conveniently located just a short stroll from grocery stores, parks, schools, shopping and within easy commute to Guelph, KW and the GTA. Come and see for yourself how much this solid home has to offer! (id:63161)
Listing Information
- MLS®
- X13874872
- Tax assessment year
- 2026
- Data last synced
- October 27, 2026
Your Hometown Realty Ltd
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Your Hometown Realty Ltd
MLS® Number: X13874872
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 (2)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($44,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,200.00
Periodic payment — Principal & Interest (monthly)$3,607.77
Additional monthly expenses (condo fees, tax, utilities, etc.)$367.14
Total monthly cost$3,974.91
Interest paid over 5-yr term$160,268.33
Balance at end of term$503,002.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,071.72
Cash Needed at Closing
Minimum down payment$44,900
Estimated Land Transfer Tax (LTT)$10,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,855
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.
