48,000 km (~30,000 miles). I did some more testing. I'm not sure if the fan is full bore or not anymore from a cold start (it was for sure when I shut my car down after driving home from work), but it is pretty loud. If it were the water pump, I don't think the fan would turn off when I turn the AC off? And then back on when I turn the AC on.
Some one else just told the me the the fan will always run when the AC is on, I just don't recall it being so loud before. I just dunno.
Here is a video I took of it. At about 7 seconds kicks in even a little louder.