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Property Type: TownhouseOwnership: Condominium
10 - 487 ELGIN STREET N
Cambridge, ON N1R6V4
MLS® X13770386
60
Walk Score
45
Transit
53
Bike
$340,000
3 bed1 bath0 parking
60
Walk Score
45
Transit
53
Bike
Amenities
Visitor Parking
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $386/mo
- Annual property tax
- $2,081 (2026)
Maintenance Fee Includes
Water
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- Full
- Heating
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Primary Bedroom | Second level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Other | Basement | — |
| Utility room | Basement | — |
Description
Welcome to this 3-bedroom townhome in sought-after North Galt, offering a functional layout, plenty of natural light, and great potential to make it your own. An excellent opportunity for first-time buyers, young families, or investors, the home features a bright main floor with a spacious living area that flows naturally into the dining space and kitchen. Large windows bring in an abundance of natural light, creating a comfortable and inviting atmosphere throughout the main living areas. The kitchen offers ample space and a window overlooking the yard. Upstairs, you'll find three bedrooms and a 4-piece bathroom. The primary bedroom features double closets. The lower level provides plenty of opportunity for future customization. Outside, enjoy a private fenced backyard with a patio. Located in a quiet community with affordable condo fees, close to schools, parks, public transit, shopping, major amenities, and Highway 401. A home with good bones, a practical layout, great natural light, and plenty of potential for the future. (id:63161)
Listing Information
- MLS®
- X13770386
- Tax assessment year
- 2026
- Data last synced
- October 21, 2026
Affinity Real Estate
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Affinity Real Estate
MLS® Number: X13770386
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 Toronto Regional 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: Not indicatedStorage 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
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($17,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$272,000.00
Periodic payment — Principal & Interest (monthly)$1,754.85
Additional monthly expenses (condo fees, tax, utilities, etc.)$559.69
Total monthly cost$2,314.54
Interest paid over 5-yr term$77,955.98
Balance at end of term$244,664.88
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$17,000
Stress test qualifying rate8.19%
Payment you must qualify for$2,504.46
Cash Needed at Closing
Minimum down payment$17,000
Estimated Land Transfer Tax (LTT)$3,575
Legal / closing costs (typical estimate)$1,500
Total cash needed$22,075
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.
