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Property Type: Detached HouseOwnership: Freehold
164 FISHER MILLS ROAD
Cambridge, ON N3C1E2
MLS® X13706000
$1,474,900
4 bed4.5 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 86.6 x 135.4 FT
- Frontage
- 86.7 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,158
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Main level | — |
| Den | Main level | — |
| Bathroom | Second level | — |
| Bathroom | Third level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Mud room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Third level | — |
| Laundry room | Third level | — |
Description
Here is your opportunity to own a piece of history in Silver Heights (Hespeler)-one of the original stone farmhouses built in 1859 in the Mennonite Georgian style. Thoughtfully updated while preserving its timeless charm and character, this exceptional 2.5-storey home sits on a beautiful 1/4-acre estate lot and features a welcoming front porch, double-car garage and parking for up to 6 vehicles. Offering over 3,100 sq. ft. of beautifully designed living space, the home blends historic character with modern elegance. The spacious living room features a wood-burning fireplace and overlooks a stunning den/salon complete with a grand piano. The gourmet kitchen is designed for both everyday living and entertaining, featuring a centre island, window seat, fireplace, stainless steel appliances, abundant cabinetry and counter space, plus a walk-out to the backyard. A formal dining room is conveniently located adjacent to the kitchen, while the mudroom and 2-piece bath add functionality. The second floor offers a generous primary bedroom with a renovated 5-piece ensuite and walk-in closet, two additional bedrooms and a renovated 4-piece bath. An updated second-floor deck provides tree-lined views. The bright, spacious third-floor loft offers incredible flexibility, with space for a 4th bedroom, a 3-piece bath, and a recreation room with a gas fireplace and expansive views. Outside, the beautifully landscaped grounds provide multiple spaces to relax and entertain. A covered rear deck with hot tub offers a private retreat, while the interlock driveway, stone walkways, new metal fencing and automated gate opener add to the property's impressive curb appeal and functionality (id:63159)
Listing Information
- MLS®
- X13706000
- Data last synced
- September 15, 2026
ROYAL LEPAGE SIGNATURE REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE SIGNATURE REALTY
MLS® Number: X13706000
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: 6 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: 8.3% ($122,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,179,920.00
Periodic payment — Principal & Interest (monthly)$7,612.44
Additional monthly expenses (condo fees, tax, utilities, etc.)$596.50
Total monthly cost$8,208.94
Interest paid over 5-yr term$338,168.46
Balance at end of term$1,061,341.86
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$122,490
Stress test qualifying rate8.19%
Payment you must qualify for$10,486.24
Cash Needed at Closing
Minimum down payment$122,490
Estimated Land Transfer Tax (LTT)$25,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$149,963
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.
