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Property Type: TownhouseOwnership: Condominium
199 SAGINAW Parkway Unit# 15
Cambridge, ON N1T1T9
MLS® 40853735
$599,900
3 bed3.5 bath2 parking1,798 sqftBuilt 1993
Amenities
Also listed: Party Room
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM3
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $506/mo
- Annual property tax
- $3,599
Maintenance Fee Includes
Water
Also included: Landscaping, Insurance, Parking
Interior
- Basement
- Finished, Full
- Heating
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 15'11'' x 7'10'' |
| Recreation room | Basement | 13'9'' x 10'6'' |
| Office | Basement | 9'7'' x 7'7'' |
| Primary Bedroom | Second level | 25'11'' x 12'0'' |
| Bedroom | Second level | 11'8'' x 9'5'' |
| Bedroom | Second level | 11'7'' x 9'1'' |
| 4pc Ensuite bath | Second level | 8'0'' x 9'11'' |
| 4pc Bathroom | Second level | 4'11'' x 8'10'' |
| Living room | Main level | 14'5'' x 11'1'' |
| Kitchen | Main level | 9'7'' x 7'7'' |
| Dining room | Main level | 8'3'' x 8'0'' |
| Breakfast | Main level | 7'10'' x 8'5'' |
| 2pc Bathroom | Main level | 4'9'' x 4'11'' |
Description
Well, the WOW factor can definitely be used to described this gorgeous property. Welcome to 199 Saginaw Parkway Unit #15 conveniently located just minutes to highway 401. This great family condo allows for easy, practical living in a highly desirable location. As you approach the front door you are greeted by nicely maintained landscaping & gardens and a cozy front porch with garage access. Inside the home you step into a good sized foyer with a 2 piece bathroom to your right. The main floor also features updated luxury vinyl flooring, an updated kitchen with newer stainless steel appliances (2024), a breakfast area, functionable living room and dining space with sliding door access to the rear patio. Spend your evenings relaxing in your very own backyard, or BBQing for family and friends. Upstairs offers hardwood flooring, three generous sized bedrooms, a 4 piece main bathroom and a 4 piece ensuite bath as well. The sizable primary bedroom also offers a walk in closet, and gas fireplace. Downstairs in the fully finished, freshly painted basement is a rec room, currently being used as a home gym, office space, a large laundry room, storage and even a small work shop. This great condo is walking distance to Shades Mill Conservation Area, The Elgin Centre Shopping Plaza and St. Benedicts High School. Another excellent feature is the outdoor salt-water pool, and party room/pool house. Other updates include Roof (2026), Water Softener (2025), Furnace (2024), and the AC was recently serviced in 2026. Don't delay, book your showing today and make this lovely home yours! (id:63159)
Listing Information
- MLS®
- 40853735
- Data last synced
- October 19, 2026
Re/Max Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Twin City Realty Inc.
MLS® Number: 40853735
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
$334/sqft
Building average
—
No other active listings in this building
33 - Clemens Mills/Saginaw average
$357/sqft
7 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
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
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Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$895.73
Total monthly cost$3,992.01
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,380.17
Cash Needed at Closing
Minimum down payment$34,990
Estimated Land Transfer Tax (LTT)$8,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,963
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.
