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Property Type: TownhouseOwnership: Condominium
103 - 85 SPRUCE STREET
Cambridge, ON N1R4K4
MLS® X13810620
$599,900
2 bed2 bath1 parking
Amenities
Gym
Also listed: Storage - Locker, Party Room
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 2
RM3
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $818/mo
- Annual property tax
- $4,642.39 (2026)
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Primary Bedroom | Second level | — |
Description
Welcome to 103-85 Spruce St, a showstopping 2-bedroom, 2-bathroom multi-level loft offering 1691sqft of updated living space within a converted historic factory! Blending Galt's rich industrial character with contemporary finishes, this one-of-a-kind home delivers the scale, style &personality that traditional condos simply cannot match. Inside soaring ceilings, original exposed brick, polished concrete floors, wood-paneled ceilings, exposed ductwork & dramatic black accents create an effortlessly cool industrial aesthetic. Expansive multi-level design allows each space to feel distinct while maintaining an open connected flow throughout the home. Modern kitchen is an entertainer's dream with white cabinetry, quartz counters, S/S appliances, tiled backsplash & oversized island W/bar seating. Adjoining dining area offers lots of room for hosting friends & enjoying everyday meals, while a versatile office nook provides the perfect work-from-home setup without sacrificing valuable living space. Stylish 3pc bathroom completes this level. A few steps away, the impressive 2-storey living room offers towering ceilings, exposed brick & oversized windows that flood space with natural light. Upstairs the spacious primary bedroom overlooks the dramatic main living area creating a true loft-style retreat. The 2nd bedroom is tucked privately down the hall & offers access to a rare private patio surrounded by mature greenery-perfect secluded spot to enjoy morning coffee or unwind at the end of the day. Luxurious 4pc bathroom W/double vanity & tiled shower/tub completes the upper level. Secure underground parking adds everyday convenience while the building's location in a quiet residential pocket bordering a park offers a peaceful setting just mins from downtown Galt's restaurants, shops, arts venues & fitness studios. Bold, spacious & unlike anything else on the market, this is the perfect home for anyone craving authentic loft character without compromising on modern comfort (id:63159)
Listing Information
- MLS®
- X13810620
- Tax assessment year
- 2026
- Data last synced
- October 11, 2026
RE/MAX Real Estate Centre Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc
MLS® Number: X13810620
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
$369/sqft
83 active listing(s)
Parking: 1 stall(s) includedStorage locker: Included
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: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,205.07
Total monthly cost$4,301.35
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$34,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,380.17
Cash Needed at Closing
Minimum down payment$34,990
Estimated Land Transfer Tax (LTT)$8,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,963
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.
