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Property Type: Detached HouseOwnership: Freehold
156 ST. ANDREWS STREET
Cambridge, ON N1S1N3
MLS® X13514836
$469,900
3 bed1 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 33 x 130 FT
- Frontage
- 33 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,145
Interior
- Basement
- Unfinished, N/A
- Heating
- Heat Pump, Baseboard heaters, Electric, Natural gas, Other
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Utility room | Basement | — |
Description
Are you still looking for an affordable listing to get into the market? Then set your sights on 156 St. Andrews Street in the West Galt portion of Cambridge. This semi-detached freehold home is conveniently located close to schools, shopping, transit, parks, trails and is just a few minutes away from the action at the Gas Light District in downtown Galt. The home is almost 1,400 sq feet and has 3 upper-level bedrooms and 1 full bathroom. Each bedroom has a ceiling fan and a closet. Other than the staircase, the home is carpet free with a combination of laminate and luxury vinyl flooring. The updated kitchen is spacious with eat-in area as well as new counters, sink, faucet, floor, lower cabinets and SS range hood. We have parking for 2 + cars in the asphalt driveway and a large fenced back yard. There is detached garage with hydro as well. When required, the home has seen the necessary mechanical updates with the heating, cooling, roof, soffits/gutters, front door, plumbing, along with blown in insulation. The home is in move in condition and would be a perfect option for that family looking to pluck their first home from the market and enjoy the residential neighbourhood, yet still close to many amenities. Please take a moment to review the marketing video, the floor plans and the 360-degree photography. (id:63159)
Listing Information
- MLS®
- X13514836
- Data last synced
- September 21, 2026
BOSLEY REAL ESTATE LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: BOSLEY REAL ESTATE LTD.
MLS® Number: X13514836
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: 5.0% ($23,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$375,920.00
Periodic payment — Principal & Interest (monthly)$2,425.31
Additional monthly expenses (condo fees, tax, utilities, etc.)$262.08
Total monthly cost$2,687.39
Interest paid over 5-yr term$107,739.75
Balance at end of term$338,141.26
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,495
Stress test qualifying rate8.19%
Payment you must qualify for$3,461.31
Cash Needed at Closing
Minimum down payment$23,495
Estimated Land Transfer Tax (LTT)$5,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,868
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.
