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Property Type: Condo / ApartmentOwnership: Condominium
1207 - 170 WATER STREET N
Cambridge, ON N1R3B6
MLS® X13411206
$379,999
2 bed1 bath1 parking
Amenities
Gym
Also listed: Storage - Locker, Recreation Centre, Separate Heating Controls, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
C1RM1
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $750/mo
- Annual property tax
- $3,607.17
Maintenance Fee Includes
WaterHeat
Also included: Common Area Maintenance, Insurance, Parking
Interior
- Basement
- None
- Heating
- Forced air, Other
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Main level | — |
| Great room | Main level | — |
| Primary Bedroom | Main level | — |
| Den | Main level | — |
| Laundry room | Main level | — |
| Bathroom | Main level | — |
Description
Not your typical condo layout, this expansive, bright and airy penthouse condo feels so spacious with its wide open layout, 10 ft ceilings andfantastic city view of historic Galt from its many windows. Plenty of space to spread out in this one bedroom plus den with lots of extra storagespace in the laundry room and two extra closets. Comes with a parking spot and storage locker. The building boasts a guest room, party room,shared barbecue, rooftop patio, top floor gym with views, a secondary terraced outdoor space and common area lounge where you can enjoy thebeautiful grand river views. Water, heat and AC are included in the condo fees. (id:63159)
Listing Information
- MLS®
- X13411206
- Data last synced
- October 8, 2026
ROYAL LEPAGE REALTY PLUS OAKVILLE
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE REALTY PLUS OAKVILLE
MLS® Number: X13411206
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
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: 5.0% ($19,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$303,999.00
Periodic payment — Principal & Interest (monthly)$1,961.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,050.60
Total monthly cost$3,011.90
Interest paid over 5-yr term$87,126.99
Balance at end of term$273,448.08
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$19,000
Stress test qualifying rate8.19%
Payment you must qualify for$2,799.09
Cash Needed at Closing
Minimum down payment$19,000
Estimated Land Transfer Tax (LTT)$4,175
Legal / closing costs (typical estimate)$1,500
Total cash needed$24,675
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.
