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Property Type: Detached HouseOwnership: Freehold
15 GILHOLM AVENUE
Cambridge, ON N1S1T3
MLS® X13737376
$799,900
3 bed2.5 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 60 x 110 FT
- Frontage
- 60 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,551.66 (2025)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
Description
Welcome to 15 Gilholm Avenue, a beautifully maintained and thoughtfully updated century home in desirable West Galt. Filled with timeless character, its striking facade blends elements of Classical Revival and Italian Renaissance design, highlighted by well preserved gingerbread detailing and an elegant cornice entablature.Inside, you'll find hardwood flooring, soaring nine foot ceilings, French doors, a formal dining room, a separate living room, a spacious kitchen and an updated main floor bathroom. Three bedrooms upstairs and the potential for a fourth on the main floor. Pride of ownership is evident throughout, with major improvements including replacement windows in 2010, a new furnace and central air conditioning in 2021, and a new water service line in 2026. The home also features an exceptionally dry basement a notable benefit for a century property. A detached double car garage provides excellent parking, storage and workshop space.Located in an established, tree lined neighbourhood near downtown Galt, the Grand River, scenic trails, parks, schools, shopping, restaurants and the Gaslight District. Enjoy convenient access to public transit and major commuter routes while living in one of Cambridge's most character filled communities. (id:63159)
Listing Information
- MLS®
- X13737376
- Tax assessment year
- 2025
- Data last synced
- September 30, 2026
SHAW REALTY GROUP INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SHAW REALTY GROUP INC.
MLS® Number: X13737376
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: 5 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: 6.9% ($54,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$639,920.00
Periodic payment — Principal & Interest (monthly)$4,128.55
Additional monthly expenses (condo fees, tax, utilities, etc.)$379.31
Total monthly cost$4,507.85
Interest paid over 5-yr term$183,402.91
Balance at end of term$575,610.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$54,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,775.84
Cash Needed at Closing
Minimum down payment$54,990
Estimated Land Transfer Tax (LTT)$12,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$68,963
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.
