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Property Type: Condo / ApartmentOwnership: Condominium
304 - 99B FARLEY ROAD
Centre Wellington (Fergus), ON N1M0K5
MLS® X13862248
$599,000
2 bed2 bath1 parking
Amenities
Also listed: Storage - Locker
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $575/mo
- Annual property tax
- $5,312
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Coil Fan, Other
- Cooling / A/C
- Central air conditioning
Description
Welcome to this exceptional 2-bedroom, 2-bathroom luxury condo, where contemporary elegance meets everyday comfort in one of the region's most desirable and convenient locations. Thoughtfully designed with a bright, open-concept layout, this beautifully appointed residence showcases spacious living and dining areas, a gourmet kitchen featuring stainless steel appliances, a walk-in pantry, and abundant cabinetry, perfect for both everyday living and effortless entertaining. The luxurious primary suite offers a generous walk-in closet and a private ensuite, while the second bedroom and full bathroom provide ideal accommodations for family, guests, or a home office. Step outside to your private balcony with sleek glass railings, creating the perfect space to relax and enjoy the surroundings. Additional highlights include ensuite laundry, underground parking, and premium finishes throughout, making this truly move-in ready. Ideally situated with easy access to Kitchener, Waterloo, and Guelph, and just minutes from major highways, shopping, dining, parks, schools, and transit, this elegant residence presents an outstanding opportunity for professionals, first-time buyers, downsizers, and investors seeking a sophisticated, low-maintenance lifestyle without compromising on luxury or convenience. (id:63159)
Listing Information
- MLS®
- X13862248
- Data last synced
- October 6, 2026
RE/MAX REALTY SERVICES INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REALTY SERVICES INC.
MLS® Number: X13862248
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: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Parks (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,200.00
Periodic payment — Principal & Interest (monthly)$3,091.64
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,017.67
Total monthly cost$4,109.30
Interest paid over 5-yr term$137,340.10
Balance at end of term$431,041.95
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,373.89
Cash Needed at Closing
Minimum down payment$34,900
Estimated Land Transfer Tax (LTT)$8,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,855
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.
