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Property Type: TownhouseOwnership: Condominium
10 - 175 CEDAR STREET
Cambridge, ON N1S4X8
MLS® X13162922
$449,500
3 bed2.5 bath1 parking
Amenities
Visitor Parking
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM3
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $400/mo
- Annual property tax
- $2,468.45 (2026)
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Partial bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
Description
Welcome to Unit 10 at 175 Cedar Street, Cambridge! This well-maintained 3-bedroom, 1.5-bath townhome offers great value for first-time buyers, downsizers, and investors. Exceptionally clean and move-in ready, this home features a functional layout with finished living space on all three levels. The bright main floor offers a spacious living and dining area, a practical kitchen, and a convenient powder room. Upstairs, you'll find three generously sized bedrooms, including a spacious primary bedroom with access to the full bath. The finished lower level provides extra living space perfect for a rec room, home office, or play area, along with laundry and plenty of storage. One dedicated parking space is included. Ideally located close to shopping, transit, scenic river trails, Downtown Galt, and the vibrant Gaslight District, this home offers comfort, convenience, and plenty of potential. Book your private showing today! (id:63159)
Listing Information
- MLS®
- X13162922
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
Keller Williams Edge Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Edge Realty
MLS® Number: X13162922
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of The Oakville, Milton & District Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$369/sqft
83 active listing(s)
Parking: 1 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
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
737 m away
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($22,475) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$359,600.00
Periodic payment — Principal & Interest (monthly)$2,320.02
Additional monthly expenses (condo fees, tax, utilities, etc.)$605.70
Total monthly cost$2,925.72
Interest paid over 5-yr term$103,062.39
Balance at end of term$323,461.36
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,475
Stress test qualifying rate8.19%
Payment you must qualify for$3,311.04
Cash Needed at Closing
Minimum down payment$22,475
Estimated Land Transfer Tax (LTT)$5,465
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,440
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. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
