635 Saginaw Parkway, Cambridge, ON

$695,000
MLS#:X13174322
3 beds
4 baths
2000-2249 sqft
2.0 parking
Residential Condo & Other
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Property Highlights

Welcome to this remarkable 2-Storey condo townhouse located in the coveted neighborhood of Cambridge. Expertly crafted featuring premium stone and brick construction, this residence presents an exceptional opportunity offered at $695,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 4 Bathrooms
  • Generous living space spanning 2000-2249 sqft
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

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.

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Key Features

Bedrooms
3
Bathrooms
4
Kitchens
1
Living Area
2000-2249 sqft
Property Type
Residential Condo & Other

Additional Details

StatusPrice Change
Listed Date5/26/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Townhouse
Architectural Style2-Storey
ConstructionStone, Brick
BasementFull, Finished
CountyWaterloo
Annual Tax$5,610.19

Parking & Garage

Parking Spaces2.0
Garage Spaces1
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Auto Garage Door Remote, Water Heater

Security Features

Community Features

Location

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635 Saginaw Parkway, Cambridge, ON

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 635 Saginaw Parkway 35, Cambridge, ON N1T 0C1

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cambridge.

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Interest Rate5.25%
Down Payment$44,500 (6.4%)
* Minimum Canadian down payment required for this price is $44,500.
Amortization Period25 Years
Estimated Monthly Payment$3,876Based on a loan of $650,500 over 25 years.
Purchase Price$695,000
Loan Amount$650,500
Provincial Land Transfer Tax:$10,375
Total Estimated Closing Taxes:$10,375

About Purchasing a Home in Cambridge, ON

For a property listed at $695,000 in Cambridge, the legal minimum down payment is $44,500 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $10,375 for this transaction. As this listing is in Cambridge (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $10,375.

Nearby Listings

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No current listings found in Cambridge.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cambridge.

Verified Local Data
City Population575,847
City Median Age38 Yrs
City Ownership65% Owners
Avg Area List Price$928,024

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
45%
Couples without children
28%
Other households
3%

Top Ethnic Origins

English18%
German17%
Scottish15%
Irish15%

Local Schools Guide

Elementary Schools

Avenue Road
Public40 Gail Street, Cambridge, Ontario, N1R 4M2
3.3
Elgin Street
Public685 Elgin Street North, Cambridge, Ontario, N1R 7W6
6.2
St Peter
Public92 Avenue Road, Cambridge, Ontario, N1R 1C1
5.6
Christ The King
Public70 Acorn Way, Cambridge, Ontario, N1R 8M5
3.1
Manchester
Public455 Dundas Street North, Galt, Cambridge, Ontario, N1R 5R5
4.7

Secondary Schools

Galt
Public200 Water Street North, Galt, Cambridge, Ontario, N1R 6V2
5.9
St. Benedict
Catholic50 Saginaw Parkway, Cambridge, Ontario, N1R 5W1
6.8

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.