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Property Type: Condo / ApartmentOwnership: Condominium
106 - 24 CEDAR STREET
Cambridge, ON N1S0B2
MLS® X13783864
$525,000
1 bed2.5 bath1 parking
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $544/mo
- Annual property tax
- $4,672.64 (2025)
Maintenance Fee Includes
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Den | Main level | — |
| Laundry room | Main level | — |
| Bathroom | Main level | — |
| Bathroom | Main level | — |
Description
Welcome to Blacksmith Lofts, where character, space and an incredible Downtown Galt location come together! This spacious 1-bedroom plus den, 1.5-bathroom condo offers nearly 1,000 sq. ft. of living space and impressive 13-foot ceilings that create an open, airy feel from the moment you walk in.The thoughtfully designed layout offers plenty of room to live, work and entertain. The versatile den provides the perfect space for a home office, guest area or additional sitting room, while fantastic storage throughout the unit-including unique elevated storage spaces with custom ladders for easy access-makes excellent use of the soaring ceiling height.One parking space is included, and residents also enjoy access to the building's rooftop patio, offering another great space to relax and enjoy the outdoors.Best of all, you're just steps from the Gaslight District and the heart of Downtown Galt, with restaurants, cafes, shops, trails, entertainment and the Grand River all close by.Whether you're a first-time buyer, downsizer or simply looking for something with more character than the average condo, this unique loft-style home offers an incredible combination of space, personality, storage and a walkable downtown lifestyle. (id:63161)
Listing Information
- MLS®
- X13783864
- Tax assessment year
- 2025
- Data last synced
- October 21, 2026
Red And White Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Red And White Realty Inc
MLS® Number: X13783864
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
$480/sqft
81 active listing(s)
Parking: 1 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
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Mortgage & Ownership Cost Calculator
Minimum required: 5.2% ($27,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$420,000.00
Periodic payment — Principal & Interest (monthly)$2,709.70
Additional monthly expenses (condo fees, tax, utilities, etc.)$933.39
Total monthly cost$3,643.08
Interest paid over 5-yr term$120,373.21
Balance at end of term$377,791.36
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,857.49
Cash Needed at Closing
Minimum down payment$27,500
Estimated Land Transfer Tax (LTT)$6,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,975
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.
