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Property Type: Detached HouseOwnership: Freehold
165 ST ANDREWS STREET W
Cambridge, ON N1S1N2
MLS® X14026446
$925,000
7 bed4.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 40 x 134 FT
- Frontage
- 40 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,637
Interior
- Basement
- Finished, Apartment in basement, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Basement | — |
| Kitchen | Main level | — |
| Bedroom | Basement | — |
| Family room | Main level | — |
| Office | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
| Kitchen | Basement | — |
| Living room | Basement | — |
Description
A Beautiful Place to Call Home. Welcome to 165 St Andrews Street, with a ***LEGAL 2 BED BASEMENT APT*** a charming and inviting property that beautifully combines comfort, style, and convenience. Set in a desirable Cambridge location, this residence offers a wonderful opportunity for those looking for a place that feels both warm and welcoming while providing the space and amenities needed for modern living. From its attractive exterior to its thoughtfully designed interior spaces, the property offers an appealing blend of elegance, functionality, and character. The home provides a comfortable setting for everyday living, entertaining family and friends, and creating lasting memories. With its convenient location and inviting atmosphere. (id:63159)
Listing Information
- MLS®
- X14026446
- Data last synced
- October 19, 2026
HOMELIFE SILVERCITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE SILVERCITY REALTY INC.
MLS® Number: X14026446
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: 4 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
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
1.9 km away
Mortgage & Ownership Cost Calculator
Minimum required: 7.3% ($67,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$740,000.00
Periodic payment — Principal & Interest (monthly)$4,774.23
Additional monthly expenses (condo fees, tax, utilities, etc.)$636.42
Total monthly cost$5,410.65
Interest paid over 5-yr term$212,086.13
Balance at end of term$665,632.39
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$67,500
Stress test qualifying rate8.19%
Payment you must qualify for$6,648.83
Cash Needed at Closing
Minimum down payment$67,500
Estimated Land Transfer Tax (LTT)$14,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$83,975
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.
