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Property Type: TownhouseOwnership: Condominium
635 SAGINAW Parkway Unit# 82
Cambridge, ON N1T0C1
MLS® 40861153
$639,900
3 bed3.5 bath2 parking1,907 sqftBuilt 2016
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
- $4,647
Maintenance Fee Includes
Management
Also included: Insurance
Interior
- Basement
- Finished, Full
- Heating
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Recreation room | Lower level | 21'10'' x 18'8'' |
| Laundry room | Second level | — |
| 4pc Bathroom | Second level | 5'4'' x 9'2'' |
| Bedroom | Second level | 9'7'' x 9'10'' |
| Bedroom | Second level | 13'0'' x 9'3'' |
| 3pc Ensuite bath | Second level | 5'6'' x 9'2'' |
| Primary Bedroom | Second level | 12'0'' x 14'9'' |
| 2pc Bathroom | Main level | 8'5'' x 3'6'' |
| Living room | Main level | 11'7'' x 19'6'' |
| Dining room | Main level | 10'8'' x 9'0'' |
| Kitchen | Main level | 11'4'' x 10'6'' |
Description
Welcome to this stunning, beautifully maintained home, where exceptional upgrades, stylish finishes, come together to create a truly inviting living space. The bright and spacious main floor features a true chef’s kitchen complete with a gas range, centre island, ample cabinetry, and premium finishes. The adjoining living room showcases gleaming wide-plank hardwood flooring, a gorgeous statement fireplace wall, and walkout access to the private deck perfect for entertaining or relaxing outdoors. Elegant California shutters throughout add both style and privacy, while the gleaming solid oak staircase leads to the thoughtfully designed upper level. A generous landing provides the perfect space for a home office, reading nook, or cozy sitting area. The spacious primary suite offers a walk-in closet and beautifully upgraded 3-piece ensuite with contemporary finishes. Two additional generously sized bedrooms, a stylish 4-piece bathroom, and convenient upper-level laundry complete this floor. All bedrooms feature spacious closets professionally outfitted by California Closets. The finished lower level provides a large recreation room ideal for movie nights, family time, or entertaining, along with plenty of additional storage. (id:63159)
Listing Information
- MLS®
- 40861153
- Data last synced
- October 17, 2026
Re/Max Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Twin City Realty Inc.
MLS® Number: 40861153
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
$336/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: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (condo fees, tax, utilities, etc.)$842.25
Total monthly cost$4,144.98
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$38,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,659.30
Cash Needed at Closing
Minimum down payment$38,990
Estimated Land Transfer Tax (LTT)$9,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,763
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.
