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Property Type: TownhouseOwnership: CondominiumRECENTLY LISTED
10 MILL CREEK Road Unit# 5
Cambridge, ON N1R1J6
MLS® 40873448
61
Walk Score
46
Transit
51
Bike
$409,999
3 bed2 bath2 parking989 sqftBuilt 1986
61
Walk Score
46
Transit
51
Bike
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
R4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $440/mo
- Annual property tax
- $2,177
Maintenance Fee Includes
Management
Also included: Landscaping, Insurance
Interior
- Basement
- Finished, Full
- Heating
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Basement | 6'1'' x 6'8'' |
| Laundry room | Basement | 9'1'' x 9'2'' |
| Recreation room | Basement | 19'9'' x 15'11'' |
| 4pc Bathroom | Second level | 8'0'' x 7'11'' |
| Bedroom | Second level | 8'4'' x 8'1'' |
| Bedroom | Second level | 11'11'' x 7'10'' |
| Primary Bedroom | Second level | 10'10'' x 14'1'' |
| Living room | Main level | 12'6'' x 16'4'' |
| Dinette | Main level | 9'8'' x 8'1'' |
| Kitchen | Main level | 8'4'' x 7'10'' |
| Foyer | Main level | 6'5'' x 8'4'' |
Description
Affordability and location come together at Unit 5 – 10 Mill Creek Road, Cambridge. This well-maintained two-storey condo townhouse is perfectly suited for first-time buyers or those looking to stop renting and start building a future. Ideally located just minutes from Highway 401, shopping, and everyday amenities, it offers effortless commuting and convenience. The home features approximately 1,500 sq ft of finished living space across three fully finished levels, including three spacious bedrooms and two full bathrooms, providing plenty of room for families or a functional work-from-home setup. The finished basement adds valuable additional living space, and the home is complete with a private yard and low condo fees, making it move-in ready and prepared for its next chapter. (id:63161)
Listing Information
- MLS®
- 40873448
- Data last synced
- October 24, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40873448
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$415/sqft
Building average
—
No other active listings in this building
30 - Elgin Park/Coronation average
$375/sqft
4 active listing(s)
Parking: 2 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($20,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$327,999.00
Periodic payment — Principal & Interest (monthly)$2,116.14
Additional monthly expenses (condo fees, tax, utilities, etc.)$670.42
Total monthly cost$2,786.55
Interest paid over 5-yr term$94,005.46
Balance at end of term$295,036.16
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$20,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,020.07
Cash Needed at Closing
Minimum down payment$20,500
Estimated Land Transfer Tax (LTT)$4,675
Legal / closing costs (typical estimate)$1,500
Total cash needed$26,675
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.
