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Property Type: Detached HouseOwnership: Freehold
103 COURTNEY STREET
Cambridge, ON N3C1S2
MLS® X13865124
$774,900
3 bed2 bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 54.1 x 130.5 FT
- Frontage
- 54.1 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,634
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Description
What makes this home especially appealing is the combination: century-home character and 10 foot ceilings, beautiful views, modernized living spaces and significant updates already completed. It has the warmth and personality of a home with history without asking you to give up the comforts you want today like a primary ensuite right out of a luxury hotel. Some homes are easy to understand from the photos. This one deserves to be experienced in person. Built in 1900 and beautifully updated for today, this is the kind of home that immediately makes you curious to see more. Step inside and you'll find generous rooms and the character you simply don't find in newer construction, complemented by thoughtful improvements throughout. A main floor laundry room and bathrooms that have been transformed into spa-like retreats, updated in 2022 and 2024, creating spaces that feel luxurious and relaxing. The updated gourmet kitchen is made for both everyday living and entertaining, while the kitchen and family room take full advantage of a beautiful outlook through a wall of windows that brings the outdoors in. Behind the charm is a long list of important improvements. The wiring and plumbing have been updated, the furnace, air conditioning and HVAC system were updated in 2020, main-floor windows in 2021, the concrete driveway in 2021, then updated in 2026 with concrete curbs and integrated catch-basins and a French drain between the driveway and the house for additional peace of mind., kitchen in 2022, washer and dryer in 2022, sump pump in 2024, and the metal roof adds another valuable feature for peace of mind.. The large backyard is private with a great view. Off the deck you'll find a large storage/workshop area perfect for the handy person or hobbyist. This home should be on your "must see" list. (id:63161)
Listing Information
- MLS®
- X13865124
- Data last synced
- October 22, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: X13865124
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
$416/sqft
251 active listing(s)
Parking: 3 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: 6.8% ($52,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$619,920.00
Periodic payment — Principal & Interest (monthly)$3,999.51
Additional monthly expenses (condo fees, tax, utilities, etc.)$386.17
Total monthly cost$4,385.68
Interest paid over 5-yr term$177,670.85
Balance at end of term$557,620.04
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$52,490
Stress test qualifying rate8.19%
Payment you must qualify for$5,601.38
Cash Needed at Closing
Minimum down payment$52,490
Estimated Land Transfer Tax (LTT)$11,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$65,963
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.
