Loading…
Property Type: TownhouseOwnership: Condominium
635 SAGINAW Parkway Unit# 35
Cambridge, ON N1T0C1
MLS® 40855990
$685,000
3 bed4 full, 2 half bath2 parking2,028 sqftBuilt 2014
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $348/mo
- Annual property tax
- $5,610.19
Maintenance Fee Includes
Also included: Landscaping, Insurance, Parking
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Lower level | 8'4'' x 8'6'' |
| Recreation room | Lower level | 18'1'' x 18'11'' |
| Mud room | Lower level | 5'3'' x 9'1'' |
| 2pc Bathroom | Lower level | 4'11'' x 5'1'' |
| Primary Bedroom | Second level | 16'2'' x 13'10'' |
| Bedroom | Second level | 13'5'' x 10'5'' |
| Bedroom | Second level | 15'10'' x 9'5'' |
| 4pc Bathroom | Second level | 11'1'' x 6'2'' |
| 4pc Bathroom | Second level | 5'4'' x 9'7'' |
| Living room | Main level | 18'10'' x 13'5'' |
| Kitchen | Main level | 13'5'' x 13'6'' |
| Foyer | Main level | 6'0'' x 6'9'' |
| Family room | Main level | 9'10'' x 10'9'' |
Description
Experience luxury living in this beautifully upgraded Granite Homes townhome located in one of Cambridge's most convenient neighbourhoods, just minutes from Highway 401 and close to schools, parks, shopping, and all amenities. Offering over 2,028 sq. ft of finished living space, the sought-after Lily Model is one of the largest floorplans in the complex and features three separate entry points, including a front entrance facing Saginaw Parkway, rear lower-level access, and inside entry from the garage. This meticulously maintained home offers 3 spacious bedrooms and 4 bathrooms, including a stunning primary suite complete with a walk-in closet and gorgeous 4-piece ensuite. The additional bedrooms both feature double closets, while the upper level also includes a full 4-piece bathroom, convenient laundry area, and linen closet. The bright and open-concept main floor is finished with upgraded maple hardwood and tile flooring throughout. The modern kitchen boasts granite countertops, stainless steel appliances, ample cabinetry, and a large island with breakfast bar overlooking the dining and family room- perfect for entertaining. Step out onto the private balcony above the garage, complete with a gas BBQ hookup and plenty of space to relax and enjoy the sun. A convenient 2-piece powder room completes the main level. The finished lower level offers excellent in-law or rental potential with minimal conversion required. Featuring oversized windows that flood the space with natural light, this level includes a spacious rec room, utility room, and additional 2-piece bathroom. A rare opportunity to own a spacious, move-in ready townhome in an unbeatable location close to commuter routes and everyday conveniences. (id:63159)
Listing Information
- MLS®
- 40855990
- Data last synced
- September 15, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40855990
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
$338/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
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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($43,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$548,000.00
Periodic payment — Principal & Interest (monthly)$3,535.51
Additional monthly expenses (condo fees, tax, utilities, etc.)$916.52
Total monthly cost$4,452.03
Interest paid over 5-yr term$157,058.38
Balance at end of term$492,927.77
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,974.02
Cash Needed at Closing
Minimum down payment$43,500
Estimated Land Transfer Tax (LTT)$10,175
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,175
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.
