199 Saginaw Parkway #15, Cambridge, ON N1T 1T9
Listed by Mike Grant • RE/MAX TWIN CITY REALTY INC.
199 Saginaw Parkway #15 , Cambridge, ON N1T 1T9
$ 629,900
Bed Rooms
3
Bath Rooms
3
SqFt
1,433
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Virtual Tour
50 photos
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Year Built
1993
Days of On-Site Use
--
Property Type
Townhouse
Price per Sqft
$439
Car Garage
1.0
Property Details
Key Details
Sub Type
Row/Townhouse
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,433 sqft
MLS Listing ID
40853735
Style
Townhouse
Bedrooms
3
Full Baths
2
Half Baths
1
HOA Fees
$505/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,798
Annual Tax Amount
$3,599
Property Sub-Type
Row/Townhouse
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
13 - Galt North
Zoning
RM3
Rooms
Basement
Full, Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Work Bench
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Gas
Fireplace
Yes
Appliance
Water Softener, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Attached Garage
Roof Type
Asphalt Shing
Garage
Yes
Building
Lot Description
Urban, Library, Major Highway, Park, Place of Worship, Playground Nearby, Public Transit, Schools, Shopping Nearby
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Townhouse
Level or Stories
2
Structure Type
Stone,Vinyl Siding
New Construction
No
Others
HOA Fee Include
Insurance,Building Maintenance,Common Elements,Maintenance Grounds,Parking,Roof,Snow Removal,Water,Windows
Senior Community
No
Tax ID
238180015
Ownership
Condominium
Virtual Tour
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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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199 Saginaw Parkway #15

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Navjot Singh

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