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Property Type: Detached HouseOwnership: Freehold
129 KOVAC ROAD
Cambridge, ON N1R8K4
MLS® X13642228
$699,000
3 bed3.5 bath3 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 40.3 x 103.2 FT
- Frontage
- 40.3 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,823.85 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Living room | Main level | — |
| Other | Main level | — |
| Primary Bedroom | Second level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
Welcome to 129 Kovac Road, Cambridge! This well maintained two storey home offers a functional layout, comfortable living spaces, and a fantastic location, making it an excellent opportunity for first time buyers, young families, or those looking to downsize without compromising on space. Step inside to a welcoming main floor featuring convenient inside access to the single car garage, a 2 piece powder room, and an open concept kitchen that flows seamlessly into the dining and living areas. Designed with everyday living and entertaining in mind, this bright and inviting space extends through sliding doors to the fully fenced backyard, perfect for children, pets, summer BBQs, or simply relaxing outdoors. Upstairs, you'll find two generously sized bedrooms, including a spacious primary retreat filled with natural light and complete with its own private 3 piece ensuite. An additional 4 piece bathroom completes the second level, providing convenience for family and guests alike. The finished basement adds valuable living space with a cozy gas fireplace, creating the perfect spot for movie nights, a home office, or recreation area. A dedicated laundry room and ample storage space complete the lower level. Located in one of Cambridge's desirable family friendly neighbourhoods, this home offers exceptional convenience with quick access to Highway 401, making commuting to Kitchener, Waterloo, Guelph, or the GTA a breeze. You'll enjoy being just minutes from excellent schools, parks, walking trails, and everyday amenities, including Cambridge Centre, major grocery stores, restaurants, and shopping. This is a wonderful opportunity to enjoy a move in ready home in a location that truly has it all. (id:63161)
Listing Information
- MLS®
- X13642228
- Tax assessment year
- 2026
- Data last synced
- October 26, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X13642228
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
$416/sqft
251 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
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: 6.4% ($44,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$559,200.00
Periodic payment — Principal & Interest (monthly)$3,607.77
Additional monthly expenses (condo fees, tax, utilities, etc.)$401.99
Total monthly cost$4,009.76
Interest paid over 5-yr term$160,268.33
Balance at end of term$503,002.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$44,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,071.72
Cash Needed at Closing
Minimum down payment$44,900
Estimated Land Transfer Tax (LTT)$10,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$56,855
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.
