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Property Type: TownhouseOwnership: Freehold
124 COMPASS Trail Unit# 49
Cambridge, ON N3E0E3
MLS® 40866991
$569,000
2 bed3.5 bath2 parking1,394 sqftBuilt 2021
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 3
- Frontage
- 33 feet
(H)RM4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $4,148
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Ensuite bath | Third level | 8'5'' x 5'1'' |
| Primary Bedroom | Third level | 17'9'' x 10'9'' |
| Bedroom | Third level | 14'4'' x 10'7'' |
| 4pc Bathroom | Third level | 7'5'' x 7'0'' |
| Living room | Second level | 16'7'' x 10'8'' |
| Laundry room | Second level | 6'1'' x 5'9'' |
| Kitchen | Second level | 12'10'' x 9'5'' |
| Dining room | Second level | 8'3'' x 10'0'' |
| 2pc Bathroom | Second level | 7'7'' x 2'10'' |
| Den | Main level | 8'5'' x 9'7'' |
| Foyer | Main level | 6'11'' x 9'6'' |
Description
Welcome to this beautifully upgraded freehold end-unit townhome in the sought-after Rivermill community, offering 2 bedrooms plus a versatile den and 2.5 baths. Situated on a corner lot, this home offers an abundance of natural light, added privacy, and low POTL fees. The main-floor den is a fantastic flexible space that can be used as a third bedroom, home office, or formal sitting area. It opens to a newly landscaped yard and green space, with the option to enclose the area for even more privacy, perfect for relaxing or entertaining. Upstairs, the heart of the home is designed for both everyday living and entertaining. The spacious kitchen features quartz countertops, a large island with breakfast bar, a walk-in pantry, and a brand-new dishwasher, providing plenty of room for cooking, dining, and gathering. The dining area flows seamlessly into the bright and inviting living room, where oversized windows fill the space with tons of natural light and create a warm, easy-going atmosphere. Step outside to your private terrace, perfect for enjoying your morning coffee or unwinding in the evening. A powder room and convenient in-suite laundry complete this level. The third floor offers a rare and highly desirable upgrade with two full washrooms, providing exceptional comfort and flexibility for family members, guests, or roommates. Additional highlights include an owned new water softener, extra storage space in the garage, and lots of visitor parking. Enjoy the convenience of being close to parks, a bus stop, everyday amenities, and just a 5-minute drive to Highway 401 and Highway 7/8. With its freehold ownership, low POTL fees, corner-lot setting, abundant natural light, privacy, newly landscaped yard, versatile den, upgraded kitchen, two full third-floor washrooms, and excellent location, this is a wonderful opportunity to call Rivermill home! (id:63161)
Listing Information
- MLS®
- 40866991
- Data last synced
- October 26, 2026
Affinity Real Estate Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Affinity Real Estate Inc.
MLS® Number: 40866991
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
$408/sqft
Building average
—
No other active listings in this building
45 - Briardean/River Flats/Beaverdale average
$409/sqft
5 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: 5.6% ($31,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$455,200.00
Periodic payment — Principal & Interest (monthly)$2,936.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$415.67
Total monthly cost$3,352.46
Interest paid over 5-yr term$130,461.63
Balance at end of term$409,453.87
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$31,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,164.53
Cash Needed at Closing
Minimum down payment$31,900
Estimated Land Transfer Tax (LTT)$7,855
Legal / closing costs (typical estimate)$1,500
Total cash needed$41,255
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.
