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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
100 QUEEN Street W
Cambridge, ON N3C1G3
MLS® 40872185
79
Walk Score
36
Transit
46
Bike
$699,900
4 bed2 bath4 parking1,812 sqftBuilt 1890
79
Walk Score
36
Transit
46
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 45 feet
RMI
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,413
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Second level | 7'1'' x 5'2'' |
| Laundry room | Second level | 7'9'' x 7'11'' |
| Sunroom | Second level | 4'3'' x 12'2'' |
| Living room | Second level | 10'11'' x 10'9'' |
| Kitchen | Second level | 12'0'' x 9'9'' |
| Bedroom | Second level | 12'3'' x 10'8'' |
| Primary Bedroom | Second level | 13'2'' x 10'8'' |
| 3pc Bathroom | Lower level | 9'4'' x 10'9'' |
| Laundry room | Lower level | 7'9'' x 7'11'' |
| Living room | Lower level | 15'10'' x 10'8'' |
| Eat in kitchen | Lower level | 11'8'' x 10'8'' |
| Primary Bedroom | Lower level | 11'1'' x 10'9'' |
| Bedroom | Lower level | 9'4'' x 10'9'' |
Description
DUPLEX | TURN-KEY | HESPELER VILLAGE Rare opportunity to own a beautifully updated duplex in the heart of Hespeler Village! This versatile property features two self-contained 2-bedroom units, each offering its own kitchen, living area and 3-piece bathroom—ideal for investors, multi-generational living or an owner-occupier seeking rental income. Situated on a generous 45 x 144 ft. lot with parking for 4 vehicles, the property offers excellent outdoor space in a highly desirable location close to the Speed River, Hespeler Village shops, restaurants, cafés, trails and transit. Both units feature separate electrical panels and hydro meters. Mechanical updates include a 2022 furnace for the upper unit, a 2018 furnace for the lower unit. The lower unit is available for vacant possession, providing an excellent opportunity for the new owner to establish market rent immediately. Additional updates include a resurfaced driveway (2026) and carpet-free vinyl flooring throughout. Conveniently located near Hwy 7/8, the 401, schools, shopping and major commuter routes. Turn-key, flexible and income-producing—an excellent opportunity to own a duplex in one of Cambridge’s established communities. (id:63161)
Listing Information
- MLS®
- 40872185
- Data last synced
- October 27, 2026
HOMELIFE MIRACLE REALTY LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE MIRACLE REALTY LTD.
MLS® Number: 40872185
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$386/sqft
Building average
—
No other active listings in this building
40 - Centennial average
$383/sqft
3 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
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: 6.4% ($44,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,920.00
Periodic payment — Principal & Interest (monthly)$3,612.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$375.42
Total monthly cost$3,987.83
Interest paid over 5-yr term$160,474.68
Balance at end of term$503,649.85
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,078.00
Cash Needed at Closing
Minimum down payment$44,990
Estimated Land Transfer Tax (LTT)$10,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,963
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.
