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Property Type: Condo / ApartmentOwnership: Condominium
118 - 8 HARRIS STREET
Cambridge, ON N1R8R1
MLS® X13620670
$299,900
2 bed2 bath1 parking
Amenities
Also listed: Storage - Locker, Separate Heating Controls
Property Details
Property & Lot
- Sub-type
- Apartment
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $963/mo
- Annual property tax
- $3,009.14 (2025)
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bathroom | Main level | — |
Description
Enjoy the convenience of ground-floor condo living in the heart of Historic Downtown Galt! This well-maintained 2-bedroom, 2 full bathroom condo features a functional open-concept layout designed for comfortable everyday living.The kitchen overlooks the dining and living areas and features a convenient breakfast bar for casual dining or entertaining. Sliding doors from the dining area lead to the ground-level patio, offering easy indoor-outdoor living. The spacious primary bedroom features two closets and a full ensuite bathroom, while the second bedroom is conveniently located near the home's second full bathroom - ideal for guests, family, or a home office. In-suite laundry, underground parking, and an exclusive storage locker add to the home's everyday convenience. Most utilities are included in the condo fees, leaving hydro as the only additional utility expense.Step outside and experience one of Cambridge's most walkable neighbourhoods. Enjoy a short stroll to local cafes, restaurants, boutique shopping, the Cambridge Farmers' Market, the Gaslight District, the Grand River, trails, parks, public transit, and more. This is an opportunity to enjoy a low-maintenance lifestyle in Historic Downtown Galt. (id:63159)
Listing Information
- MLS®
- X13620670
- Tax assessment year
- 2025
- Data last synced
- October 14, 2026
RE/MAX ICON REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX ICON REALTY
MLS® Number: X13620670
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
$480/sqft
81 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
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($14,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$239,920.00
Periodic payment — Principal & Interest (monthly)$1,547.88
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,213.90
Total monthly cost$2,761.78
Interest paid over 5-yr term$68,761.76
Balance at end of term$215,808.82
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$14,995
Stress test qualifying rate8.19%
Payment you must qualify for$2,209.08
Cash Needed at Closing
Minimum down payment$14,995
Estimated Land Transfer Tax (LTT)$2,974
Legal / closing costs (typical estimate)$1,500
Total cash needed$19,469
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.
