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Property Type: TownhouseOwnership: Condominium
69 - 235 SAGINAW PARKWAY
Cambridge, ON N1T1X4
MLS® X13803516
$519,900
3 bed2.5 bath1 parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM3
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $536/mo
- Annual property tax
- $3,626 (2026)
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- Finished, Walk out, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Laundry room | Basement | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Recreational, Games room | Basement | — |
| Den | Basement | — |
Description
Welcome to 69-235 Saginaw Parkway, a spacious 3-bedroom, 2-bathroom end-unit townhome in Cambridge offering a functional layout, generous living spaces and flexibility for the way you live. With multiple finished levels, a private outdoor space and the added privacy of an end unit, this home offers more than meets the eye. The main floor features an eat-in kitchen with breakfast bar and bay window, plus a comfortable living room with direct walkout access to the private deck, rebuilt last year. The deck extends your living space outdoors and is perfect for morning coffee, outdoor dining or summer entertaining. Three visitor parking spaces are conveniently located directly in front of the home making hosting friends and family that much easier. Upstairs, the oversized primary bedroom offers plenty of room for a king-sized bedroom set, large windows and an oversized closet for excellent storage. Two additional well-proportioned bedrooms provide comfortable space for family, guests or a home office, while a four-piece bathroom completes the level. The fully finished walk-out basement adds exceptional versatility ,featuring a dedicated workout studio currently set up as a home gym creating a convenient space to exercise without sacrificing another room in the home. The additional den offers endless possibilities as a home office, children's playroom, guest room or hobby space or whatever best fits your needs. With direct outdoor access through the walk-out, this lower level feels like a true extension of the home. Located in Cambridge with convenient access to parks, trails, schools, shopping, restaurants and everyday amenities, as well as major routes for commuters. With a versatile layout, private deck, finished walk-out basement and multiple flexible spaces, this end-unit townhome offers room to live, work, entertain and grow. (id:63159)
Listing Information
- MLS®
- X13803516
- Tax assessment year
- 2026
- Data last synced
- October 4, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X13803516
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
$369/sqft
83 active listing(s)
Parking: 1 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: 5.2% ($26,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$415,920.00
Periodic payment — Principal & Interest (monthly)$2,683.37
Additional monthly expenses (condo fees, tax, utilities, etc.)$838.23
Total monthly cost$3,521.60
Interest paid over 5-yr term$119,203.87
Balance at end of term$374,121.39
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$26,990
Stress test qualifying rate8.19%
Payment you must qualify for$3,821.90
Cash Needed at Closing
Minimum down payment$26,990
Estimated Land Transfer Tax (LTT)$6,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,363
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.
