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Property Type: Detached HouseOwnership: Freehold
103 SOUTHWOOD DRIVE
Cambridge, ON N1S3S3
MLS® X13726458
$799,800
4 bed3.5 bath6 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 55.1 x 115 FT
- Frontage
- 55.1 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,761 (2026)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bedroom 4 | Second level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Basement | — |
| Other | Basement | — |
| Utility room | Basement | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Bedroom 2 | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
Description
Welcome to 103 Southwood Drive, Cambridge. This attractive single-family home features an oversize main floor footprint with many updates including premium flooring, newer doors and nickel finish hardware, high baseboards, California shutters, crown moulding, updated lighting and light switches, and it is in excellent condition. There is a large living and dining room, a sunken family room with sliders to a large fenced yard with a huge concrete patio - perfect for family gatherings and entertaining. The updated laundry with modern washer and dryer, and a 2 pc bathroom are on this level and there is also a full bedroom which could easily serve as an office/guest space when needed. The heart of the home, the kitchen, is thoughtfully laid out and features a peninsula and modern cabinets with updated stainless appliances for informal dining. Unwind in the family room, where the inviting warmth of a fireplace creates an ideal setting for relaxation. There is an inside entrance to the double car garage with insulated garage door, and an outside door for convenient lawnmower access. The basement is partially finished with a huge rec room and an additional room currently used as a bedroom with lots of possibilities for this space such as a private craft/sewing room or even a workshop. Upstairs are 3 good sized bedrooms and the principal bedroom features a walk -in closet and a full 3 piece ensuite. There is an additional 4 piece main bathroom with glass shower doors on this level. Discover the possibilities that await in this meticulously maintained property; Come and see for yourself. (id:63159)
Listing Information
- MLS®
- X13726458
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: X13726458
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.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 6 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: 6.9% ($54,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,840.00
Periodic payment — Principal & Interest (monthly)$4,128.03
Additional monthly expenses (condo fees, tax, utilities, etc.)$480.08
Total monthly cost$4,608.11
Interest paid over 5-yr term$183,379.98
Balance at end of term$575,538.15
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,980
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.14
Cash Needed at Closing
Minimum down payment$54,980
Estimated Land Transfer Tax (LTT)$12,471
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,951
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.
