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Property Type: TownhouseOwnership: Freehold
4 - 230 FARLEY ROAD
Centre Wellington (Fergus), ON N1M0H6
MLS® X13856988
$699,900
3 bed3.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 1.5
- Lot size
- 22.1 x 118.9 FT
- Frontage
- 22.1 feet
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $5,027.68
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning, Air exchanger
Description
Rare end-unit bungaloft with a main-floor primary bedroom, offering 1,919 sq ft in one of Fergus's newest communities. Built in 2022 with a brick and stone exterior, this 3-bedroom, 3-bath townhome features a main-floor primary suite with a private 5-piece ensuite, soaring ceilings, a fireplace, an eat-in kitchen with granite counters and stainless steel appliances, custom power blinds throughout, main-floor laundry, a powder room, and an attached double garage with parking for 4. Upstairs, an open loft makes an ideal home office or second lounge, alongside two more bedrooms and a 5-piece bath, giving family and guests a level of their own. Step outside to a private, south-facing fenced courtyard, perfect for morning coffee and summer gatherings. As an end unit, the home offers added privacy and quiet. The unfinished basement is ready for your vision: a home theatre, gym, recreation room or extra living space. Central air, an ERV/HRV air exchanger and a tankless water heater keep the home comfortable and efficient. Chandeliers, light fixtures, blinds and curtains are included. Low POTL fee of $121/month. Minutes to schools, parks, shopping and the historic downtowns of Fergus and Elora. Flexible possession. Move in and enjoy low-maintenance living. (id:63159)
Listing Information
- MLS®
- X13856988
- Data last synced
- October 11, 2026
RE/MAX REALTY SPECIALISTS INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REALTY SPECIALISTS INC.
MLS® Number: X13856988
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: 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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$418.97
Total monthly cost$4,031.39
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
