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Property Type: Detached HouseOwnership: Freehold
1227 VALENTINE Drive
Cambridge, ON N3H2P1
MLS® 40837906
$689,900
5 bed2 bath3 parking1,112 sqftBuilt 1971
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 45 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,445.81
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Main level | — |
| Bedroom | Basement | 10'9'' x 10'4'' |
| Bedroom | Basement | 11'2'' x 11'5'' |
| 3pc Bathroom | Basement | — |
| Family room | Basement | 10'11'' x 18'8'' |
| Recreation room | Basement | 10'10'' x 24'1'' |
| Bedroom | Main level | 10'0'' x 8'9'' |
| Bedroom | Main level | 9'9'' x 10'2'' |
| Primary Bedroom | Main level | 9'9'' x 12'6'' |
| Sunroom | Main level | 9'11'' x 12'2'' |
| Kitchen | Main level | 13'0'' x 9'6'' |
| Dining room | Main level | 9'1'' x 9'11'' |
| Living room | Main level | 16'10'' x 11'1'' |
| Foyer |
Description
A PLACE TO CALL HOME ON VALENTINE DRIVE—where charm, potential, and pride of ownership meet. Tucked into a quiet, mature neighbourhood in Cambridge, this classic bungalow has been loved and is now ready for its next chapter. Set on a spacious 45 x 105 ft lot, this home offers more than just curb appeal. Picture yourself pulling into the extra-wide driveway, stepping onto the welcoming front porch framed by vibrant gardens and a white picket-style railing. Inside, you'll find over 2,000 sqft of finished living space, including 3+2 bedrooms and 2 full bathrooms. The layout is traditional, warm, and full of potential. The living and dining spaces offer great bones—original, well-cared-for finishes just waiting for a modern touch. The eat-in kitchen is cozy and functional, while the bonus sunroom off the back is a delightful surprise—perfect for morning coffees, quiet afternoons, or extra space when entertaining. There’s even a convenient laundry chute, adding a touch of old-school charm and practicality. Downstairs, the fully finished basement is retro in all the right ways—with a built-in bar, lounge space, and a full dining area ideal for family gatherings. 1 lower bedroom is currently converted into a laundry room. Step outside and discover a true backyard oasis. The covered patio is the perfect place to relax on warm evenings, while the manicured garden beds and veggie plots showcase just how much care has gone into this home. There's even a large shed for added storage. Waiting on your personal touches. With solid bones, vintage character, and an unbeatable location, this home is ready for someone with vision to make it shine Walk to parks and schools, or hop in the car for quick access to the 401, Cambridge Centre, and all the everyday amenities you need. (id:63159)
Listing Information
- MLS®
- 40837906
- Data last synced
- September 16, 2026
RE/MAX TWIN CITY FAISAL SUSIWALA REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY FAISAL SUSIWALA REALTY
MLS® Number: 40837906
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$620/sqft
Building average
—
No other active listings in this building
50 - Langs Farm/Hilborn Park average
$354/sqft
5 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
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: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (condo fees, tax, utilities, etc.)$426.48
Total monthly cost$3,987.28
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$43,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,008.22
Cash Needed at Closing
Minimum down payment$43,990
Estimated Land Transfer Tax (LTT)$10,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,763
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.
