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Property Type: Detached HouseOwnership: Freehold
15 SHADE STREET
Cambridge, ON N1R4J6
MLS® X13835544
$575,000
4 bed3.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 89.7 x 50.5 FT
- Frontage
- 89.8 feet
R5(C0)
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,326.8
Interior
- Basement
- Finished, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Recreational, Games room | Upper Level | — |
Description
Imagine mornings on Main Street, coffee in hand, downtown Galt's heritage streetscape waking up around you: this is the life this home puts at your doorstep. Beautifully renovated top to bottom, this 3-bedroom, 3-bathroom brick two-storey pairs timeless character with brand-new comfort, from a fresh 2026 kitchen built for gathering to updated washrooms and a new roof and fascia overhead. Climb to the finished attic and find the space you've been missing, whether that's a home office, a studio, or a quiet retreat all your own. Three parking spots in the downtown core is a rarity worth celebrating on its own. Walk to the Grand River, the Gaslight District's restaurants and nightlife, and everything Main Street has to offer, with an elementary school just 5 minutes away for downtown living without giving up on community. A 96 Walk Score says it best: leave the car behind and start living where the city comes alive. (id:63159)
Listing Information
- MLS®
- X13835544
- Data last synced
- October 1, 2026
ROYAL LEPAGE VISION REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE VISION REALTY
MLS® Number: X13835544
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: 5.7% ($32,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$460,000.00
Periodic payment — Principal & Interest (monthly)$2,967.76
Additional monthly expenses (condo fees, tax, utilities, etc.)$277.23
Total monthly cost$3,245.00
Interest paid over 5-yr term$131,837.32
Balance at end of term$413,771.49
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$32,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,206.40
Cash Needed at Closing
Minimum down payment$32,500
Estimated Land Transfer Tax (LTT)$7,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$41,975
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.
