Property Type: Detached HouseOwnership: Freehold

342 SAGINAW Parkway

Cambridge, BC N1T1R8

$1,069,000

4 bed4.5 bath4 parking4,563 sqftBuilt 1992
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Property Details

Property & Lot

Sub-type
House
Stories
2
Frontage
108 feet

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,256

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Water purifier, Water softener, Range - Gas, Dishwasher, Dryer, Hood Fan

Exterior & Lot

Exterior features
Brick
Lot features
Gazebo, Automatic Garage Door Opener, Private Yard
Fencing
Fence

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement10'1'' x 8'5''
OfficeBasement18'0'' x 13'11''
StorageBasement8'4'' x 10'4''
Recreation roomBasement41'11'' x 32'8''
4pc BathroomBasement
Recreation roomBasement32'8'' x 41'1''
5pc BathroomSecond level
BedroomSecond level10'10'' x 14'2''
BedroomSecond level13'10'' x 10'9''
BedroomSecond level14'3'' x 11'9''
5pc Ensuite bathSecond level
DenSecond level8'11'' x 12'3''
Primary BedroomSecond level21'5'' x 24'4''
Family roomMain level13'0'' x 19'10''
KitchenMain level20'1'' x 18'7''
Dining roomMain level14'3'' x 12'0''
OfficeMain level9'10'' x 10'0''
Laundry roomMain level7'10'' x 10'11''
2pc BathroomMain level
Living roomMain level17'10'' x 15'1''

Listing Information

MLS®
40852089
Listed
August 1, 2026
Time on market
On the market for 45 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX REAL ESTATE CENTRE INC. · Data source: CREA DDF.

Description

Welcome to this exceptional home in the highly desirable North Galt community of Clemens Mill, offering over 4,500 sq ft of beautifully designed living space, including a fully finished basement. This spacious home features 4 generously sized bedrooms, den in primary bedroom, office on the main floor and 3.5 bathrooms, perfect for growing families. The heart of the home is the bright, modern kitchen, complete with ample cabinetry, a stylish island ideal for cooking and entertaining, and heated ceramic flooring for added comfort. Elegant hardwood floors flow throughout the main living areas, including a formal living room that provides the perfect setting for hosting guests. Convenience meets functionality with a main floor laundry room and a thoughtfully designed layout that maximizes space and comfort. The lower level boasts a wet bar and endless potential—ideal for a home gym, theatre, or additional family living space. Situated on a private corner lot, this property also features a double car garage ready for electric vehicle charger. Enjoy peace of mind with added upgrades such as, new windows, air purifier, reverse osmosis system, water softener, water heater and newer appliances —all included, no rented equipment. Perfectly located within walking distance to both elementary and high schools, and just minutes from Shades Mill Lake, Cambridge Centre Mall, downtown, shopping, and Highway 401 for easy commuting. This is the perfect blend of luxury, comfort, and convenience—don’t miss your chance to call it home! (id:63159)

Values & Trends

This listing

$234/sqft

Building average

No other active listings in this building

32 - Shades Mills average

$349/sqft

5 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: 7.7% ($81,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$855,200.00
Periodic payment — Principal & Interest (monthly)$5,517.46
Additional monthly expenses (strata, tax, utilities, etc.)$832.67
Total monthly cost$6,350.13
Interest paid over 5-yr term$245,102.78
Balance at end of term$769,255.17

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$81,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,590.45

Cash Needed at Closing

Minimum down payment$81,900
Estimated BC PTT$19,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$102,780

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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