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Property Type: Detached HouseOwnership: Freehold
1279 HAMILTON Street
Cambridge, ON N3H3G4
MLS® 40871731
$465,000
3 bed2 bath4 parking1,205 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 1.5
- Frontage
- 50 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,355.08
Interior
- Basement
- Unfinished, Full
- Heating
- Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 3pc Bathroom | Second level | 5'8'' x 6'8'' |
| Bedroom | Second level | 11'2'' x 15'3'' |
| Den | Second level | 7'11'' x 9'3'' |
| Bedroom | Main level | 9'7'' x 12'9'' |
| Primary Bedroom | Main level | 10'11'' x 10'0'' |
| 3pc Bathroom | Main level | 7'1'' x 11'8'' |
| Kitchen | Main level | 14'4'' x 12'1'' |
| Dining room | Main level | 10'10'' x 12'0'' |
| Living room | Main level | 10'11'' x 12'3'' |
Description
Welcome to 1279 Hamilton Street, a fantastic opportunity to own a detached home in Cambridge and make it your own! Offering 3 bedrooms and 2 bathrooms, this home is full of potential and ready for its next owners to bring their ideas and personal style to life. Whether you’re a first time buyer looking to get into the detached market, a renovator searching for your next project, or simply someone who wants the freedom to update a home to suit your own taste, this property offers an exciting opportunity. Located in the established Preston area of Cambridge, you’ll enjoy convenient access to everyday amenities, parks, schools, shopping and major routes, while still being part of a mature community. With detached homes becoming increasingly difficult to find at an approachable price point, 1279 Hamilton Street is your chance to stop renting or move beyond condo living and invest in a property you can truly call your own. Bring your vision and discover the possibilities this Cambridge home has to offer! The kitchen and living room have been virtually staged. (id:63161)
Listing Information
- MLS®
- 40871731
- Data last synced
- October 29, 2026
RED AND WHITE REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RED AND WHITE REALTY INC.
MLS® Number: 40871731
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
$386/sqft
Building average
—
No other active listings in this building
53 - Preston South average
$434/sqft
8 active listing(s)
Parking: 4 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: 5.0% ($23,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$372,000.00
Periodic payment — Principal & Interest (monthly)$2,400.02
Additional monthly expenses (condo fees, tax, utilities, etc.)$422.92
Total monthly cost$2,822.94
Interest paid over 5-yr term$106,616.27
Balance at end of term$334,615.20
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,250
Stress test qualifying rate8.19%
Payment you must qualify for$3,425.22
Cash Needed at Closing
Minimum down payment$23,250
Estimated Land Transfer Tax (LTT)$5,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,525
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.
