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Property Type: Detached HouseOwnership: Freehold
102 STEWART AVENUE
Cambridge, ON N1R2T9
MLS® X13776122
59
Walk Score
48
Transit
64
Bike
$499,900
2 bed1 bath7 parking
59
Walk Score
48
Transit
64
Bike
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 50 x 100 FT
- Frontage
- 50 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,160.46 (2025)
Interior
- Basement
- Partially finished, N/A
- Heating
- Heat Pump, Electric
- Cooling / A/C
- Wall unit
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Den | Basement | — |
Description
Welcome to 102 Stewart Avenue, a charming and well-cared-for detached home offering thoughtful updates, practical living space and excellent everyday functionality in an established Cambridge neighbourhood. From the moment you arrive, the property feels inviting and easy to enjoy, with two paved driveways providing convenient parking flexibility for multiple vehicles or guests. Inside, the main floor is bright and comfortable, anchored by a beautifully updated kitchen with a clean, modern feel and functional workspace. The living area is warm and welcoming, highlighted by a gas fireplace that adds both comfort and character. The home is efficiently heated and cooled with a newer mini-split heat pump system, helping provide year-round comfort while adding to the home's overall efficiency. A refreshed main-floor bathroom, updated paint and well-maintained finishes throughout contribute to the move-in-ready feel. Upstairs, two comfortable bedrooms provide privacy and separation from the main living areas. The lower level offers additional flexibility, with a partially improved basement that can easily serve as a home office, recreation area, gym, hobby space or additional storage. Beyond the visible updates, buyers can appreciate the peace of mind that comes with improvements to important components such as the roof, siding and exterior doors. Outside, the manageable property offers the benefits of detached-home ownership without overwhelming upkeep. Conveniently located near schools, parks, shopping, transit and major routes, 102 Stewart Avenue is an excellent opportunity for first-time buyers, downsizers or anyone looking for a well-maintained detached home with character, comfort and many of the important updates already taken care of. (id:63159)
Listing Information
- MLS®
- X13776122
- Tax assessment year
- 2025
- Data last synced
- October 12, 2026
Century 21 Heritage House Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Century 21 Heritage House Ltd.
MLS® Number: X13776122
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 7 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$263.37
Total monthly cost$2,843.52
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
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.
