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Property Type: Detached HouseOwnership: Freehold
99 TIMBER CREEK CRESCENT
Cambridge, ON N1T0B5
MLS® X13819584
$1,070,000
4 bed4 full, 2 half bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 39.4 x 113.2 FT
- Frontage
- 39.4 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,455.05 (2025)
Interior
- Basement
- Partially finished, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
Welcome to this impressive approximately 2,800 sq. ft. home in the rarely offered Sawmill Creek development of East Cambridge.Offering a spacious and highly functional layout with 4 bedrooms, 4 bathrooms and a large third-level loft with 2-piece ensuite, this home provides exceptional flexibility for growing families. Spacious layout with 9' ceilings, bright open- concept living, generous eat-in kitchen and inviting family room. Luxurious primary suite features a 5-piece ensuite and walk-in closet. Huge 3rd-level loft with 2-piece ensuite offers flexible space for a 5th bedroom, office, media room or guest retreat. BONUS: Approx. 826 sq. ft. City-approved secondary basement unit! Currently under construction with new egress windows, exterior entrance and interior framing completed. Excellent potential for extended family or future rental use, subject to completion and applicable requirements. Prime East Cambridge location steps to Timber Creek Park and minutes to Hwy 401, Townline Rd, schools, shopping and dining.Exceptional space, flexibility and future potential-don't miss it! (id:63161)
Listing Information
- MLS®
- X13819584
- Tax assessment year
- 2025
- Data last synced
- October 21, 2026
CENTURY 21 PEOPLE'S CHOICE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CENTURY 21 PEOPLE'S CHOICE REALTY INC.
MLS® Number: X13819584
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: 5 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: 7.7% ($82,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$856,000.00
Periodic payment — Principal & Interest (monthly)$5,522.62
Additional monthly expenses (condo fees, tax, utilities, etc.)$621.25
Total monthly cost$6,143.88
Interest paid over 5-yr term$245,332.06
Balance at end of term$769,974.77
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$82,000
Stress test qualifying rate8.19%
Payment you must qualify for$7,660.70
Cash Needed at Closing
Minimum down payment$82,000
Estimated Land Transfer Tax (LTT)$17,875
Legal / closing costs (typical estimate)$1,500
Total cash needed$101,375
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.
