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Property Type: Detached HouseOwnership: Freehold
527 RIVER ROAD
Cambridge, ON N3C2B8
MLS® X13433370
$1,985,000
5 bed4.5 bath14 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 81 x 603 FT
- Frontage
- 81 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $10,617
Interior
- Basement
- Finished, Full, Walk out
- Heating
- Forced air, Natural gas
Description
Visit the REALTOR website for further information about this listing. Welcome to 527 River Road - A Rare Urban Oasis in the Heart of Cambridge. Nestled on nearly 2 acres of pristine natural landscape along Irish Creek, this custom-built ranch-style bungalow offers an extraordinary blend of privacy, luxury, and convenience - just minutes from Highway 401, Hwy 24, Hwy 8, the Kitchener-Waterloo International Airport, top-rated schools, shopping, and dining. Nature, Privacy & Tranquility - Without Leaving the City. Boasting over 2,600 sq. ft. on the main floor and more than 5,200 sq. ft. of total finished living space, this exceptional home is the perfect retreat for those seeking space, serenity, and style. Enjoy a rare connection to nature with extensive outdoor features designed for both entertainment and relaxation: 17-foot Dynasty Swim Spa; 16-foot, 3-Season Gazebo; Fully Screened-In Deck & Elevated Outdoor Deck; 10-foot Private Screened Gazebo (by creek for ultimate seclusion); Meticulously Landscaped Gardens throughout; Built for Flexibility, Designed for the Future. The home's clear span truss roof system means there are no interior load-bearing walls - providing easy potential for future layout changes or renovations. The 2,600 sq. ft. walkout basement is a true standout: 9-foot ceilings and 5 patio doors for abundant natural light; the 1,255 sq. ft. rec-room - is large enough for a full billiards setup custom-built wet bar, gas fireplace, and man door to basement workshop; The insulated sound proofed ceiling in-addition to the ceiling tiles makes for an acoustically pleasing and private environment. 96" Home theater system c/w 16 in-ceiling speaker system makes for an exceptional theater experience. (id:63159)
Listing Information
- MLS®
- X13433370
- Data last synced
- September 15, 2026
EASY LIST REALTY LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EASY LIST REALTY LTD.
MLS® Number: X13433370
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: 14 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: 20.0% ($397,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,588,000.00
Periodic payment — Principal & Interest (monthly)$10,245.24
Additional monthly expenses (condo fees, tax, utilities, etc.)$884.75
Total monthly cost$11,129.99
Interest paid over 5-yr term$455,125.36
Balance at end of term$1,428,411.14
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$397,000
Stress test qualifying rate8.19%
Payment you must qualify for$12,312.94
Cash Needed at Closing
Minimum down payment$397,000
Estimated Land Transfer Tax (LTT)$36,175
Legal / closing costs (typical estimate)$1,500
Total cash needed$434,675
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.
