Property Type: Detached HouseOwnership: Freehold

196 HARWOOD Road

Cambridge, BC N1S4S7

$999,900

4 bed4.5 bath4 parking3,508 sqft
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
51 feet

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,061.89

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Water softener, Hot Tub, Dishwasher, Stove, Dryer, Central Vacuum - Roughed In, Garage door opener, Microwave Built-in

Exterior & Lot

Exterior features
Brick, Aluminum siding
Lot features
Sump Pump, Automatic Garage Door Opener, Private Yard

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
DenMain level8'9'' x 10'9''
2pc BathroomMain level
WorkshopBasement10'7'' x 16'2''
Recreation roomBasement30'10'' x 26'2''
3pc BathroomBasement
3pc BathroomSecond level
BedroomSecond level11'4'' x 9'11''
BedroomSecond level11'4'' x 12'7''
BedroomSecond level11'4'' x 9'10''
4pc Ensuite bathSecond level
Primary BedroomSecond level22'1'' x 15'3''
Dining roomMain level10'8'' x 11'11''
OfficeMain level10'9'' x 8'9''
Laundry roomMain level7'5'' x 5'11''
KitchenMain level21'1'' x 12'10''
Family roomMain level10'9'' x 15'10''
Living roomMain level10'8'' x 14'8''

Listing Information

MLS®
40860602
Listed
September 4, 2026
Time on market
On the market for 11 days
Data last synced
September 15, 2026

Listing provided by: Real Broker Ontario Ltd. · Data source: CREA DDF.

Description

Welcome to 196 Harwood, a beautifully updated 4-bedroom, 4-bathroom home, perfectly situated on a quiet, family-friendly street and set on an impressive pool-sized lot. Thoughtfully maintained and extensively updated, this home features a beautifully updated kitchen that serves as the heart of the home, a convenient main floor laundry room, a dedicated home office, and a warm, inviting family room-offering functional spaces for today's busy lifestyle. The fully finished basement with 3 piece bath provides exceptional additional living space for growing families, entertaining, or relaxing. Step outside to your own private backyard retreat, complete with a covered deck, hot tub, and mature landscaping that creates a peaceful, private setting to enjoy year-round. Offering the perfect blend of space, comfort, thoughtful updates, and privacy, this move-in-ready home is one you won't want to miss! Notable updates include: Windows (2018,2026), Kitchen 2020, Basement 2023, Furnace 2019, AC 2022, roof 2017. Full list of updates available. (id:63159)

Values & Trends

This listing

$285/sqft

Building average

No other active listings in this building

12 - St Andrews/Southwood average

$407/sqft

9 active listing(s)

Parking: 4 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

15°C

Humidity 78%

Wind SSE 9 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 7.5% ($74,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$799,920.00
Periodic payment — Principal & Interest (monthly)$5,160.81
Additional monthly expenses (strata, tax, utilities, etc.)$763.49
Total monthly cost$5,924.30
Interest paid over 5-yr term$229,259.37
Balance at end of term$719,530.63

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$74,990
Stress test qualifying rate8.09%
Payment you must qualify for$7,112.23

Cash Needed at Closing

Minimum down payment$74,990
Estimated BC PTT$17,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$94,488

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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