105 Harwood Road, Cambridge, ON N1S 4R9
Listed by Karen Bartlett • Real Broker Ontario Ltd.
105 Harwood Road , Cambridge, ON N1S 4R9
$ 809,000
Bed Rooms
3
Bath Rooms
3
SqFt
1,400
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Virtual Tour
40 photos
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Year Built
1999
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$577
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
1,400 sqft
MLS Listing ID
40842207
Style
Bungalow Raised
Bedrooms
3
Full Baths
3
Abv Grd Liv Area
1,400
Annual Tax Amount
$6,063
Lot Size
5,227 Sqft
Acres
0.12
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
11 - Galt West
Zoning
N1R5
Direction
Grand Ridge to Harwood
Rooms
Basement
Walk-Out Access, Full, Finished
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Central Vacuum, Auto Garage Door Remote(s), In-law Capability
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Family Room, Recreation Room
Fireplace
Yes
Appliance
Water Heater Owned, Water Softener, Dishwasher, Dryer, Hot Water Tank Owned, Refrigerator, Stove, Washer
Laundry
Lower Level
Exterior
Exterior Feature
Backs on Greenbelt, Privacy
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Roof Type
Asphalt Shing
Porch
Deck, Patio, Porch
Lot Frontage
45.0
Lot Depth
114.83
Garage
Yes
Building
Lot Description
Urban, Park, Place of Worship, Quiet Area, Schools, Shopping Nearby
Faces
Grand Ridge to Harwood
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow Raised
Level or Stories
1
Structure Type
Aluminum Siding,Brick
New Construction
No
Others
Senior Community
No
Tax ID
038270507
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/0g40s_105_harwood_rd_cambridge_on/
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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105 Harwood Road

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Navjot Singh

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