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Property Type: TownhouseOwnership: Condominium
635 SAGINAW Parkway Unit# 72
Cambridge, ON N1T0C1
MLS® 40855535
$655,000
3 bed3.5 bath2 parking1,851 sqft
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $360/mo
- Annual property tax
- $4,914.59
Maintenance Fee Includes
Also included: Common Area Maintenance, Landscaping, Insurance, Parking
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Other | Basement | 7'10'' x 11'7'' |
| 3pc Bathroom | Second level | — |
| Utility room | Basement | 11'1'' x 11'7'' |
| Recreation room | Basement | 11'1'' x 11'6'' |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 9'8'' x 9'11'' |
| Bedroom | Second level | 9'3'' x 13'0'' |
| Primary Bedroom | Second level | 12'3'' x 14'10'' |
| 2pc Bathroom | Main level | — |
| Living room | Main level | 19'7'' x 11'11'' |
| Dining room | Main level | 9'1'' x 9'11'' |
| Kitchen | Main level | 10'6'' x 11'1'' |
Description
Beautiful family townhome in a sought after community of north Galt, conveniently located a short drive to 401. This 3 bed, 2.5 bath home has been meticulously cared for with modern updates throughout. The Open concept kitchen features stone counters, stainless steel appliances and peninsula bar top. The large living room with hardwood floors leads to a private deck and yard. The primary bedroom offers lots of room for a king sized bed, private 3 piece ensuite with tiled shower and a walk-in closet. You'll love the convenience of the upstairs laundry! 2 other spacious bedrooms, an office area and a stylish 4 piece bathroom finish off this level. The basement rec room is a great additional living space with full wall dry bar for storage and entertaining. This home offers style, affordability and room for the whole family. Book your private showing today! (id:63159)
Listing Information
- MLS®
- 40855535
- Data last synced
- October 3, 2026
RE/MAX SOLID GOLD REALTY (II) LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX SOLID GOLD REALTY (II) LTD.
MLS® Number: 40855535
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
$354/sqft
Building average
—
No other active listings in this building
33 - Clemens Mills/Saginaw average
$354/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: 6.2% ($40,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$524,000.00
Periodic payment — Principal & Interest (monthly)$3,380.67
Additional monthly expenses (condo fees, tax, utilities, etc.)$862.55
Total monthly cost$4,243.22
Interest paid over 5-yr term$150,179.91
Balance at end of term$471,339.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$40,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,764.67
Cash Needed at Closing
Minimum down payment$40,500
Estimated Land Transfer Tax (LTT)$9,575
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,575
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.
