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Property Type: Condo / ApartmentOwnership: Condominium
170 WATER Street N Unit# 805
Cambridge, ON N1R3B6
MLS® 40860097
$565,000
3 bed2 bath1 parking1,405 sqftBuilt 2008
Amenities
Gym
Also listed: Guest Suite, Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
C1RM1
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $1,413/mo
- Annual property tax
- $6,109.21
Maintenance Fee Includes
ManagementHeat
Also included: Common Area Maintenance, Landscaping, Insurance, Parking
Interior
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Main level | — |
| Den | Main level | 9'4'' x 8'0'' |
| 3pc Bathroom | Main level | — |
| Bedroom | Main level | 10'8'' x 11'0'' |
| 5pc Ensuite bath | Main level | — |
| Primary Bedroom | Main level | 14'6'' x 12'0'' |
| Kitchen | Main level | 10'11'' x 8'7'' |
| Living room/Dining room | Main level | 17'2'' x 23'0'' |
Description
Nestled beside the Grand River and just a short distance to vibrant downtown Cambridge, this stunning former model condo offers year round breathtaking sunset views that set it apart from the rest. Spanning 1,405 sq ft, this thoughtfully laid out home features 2 bedrooms, 2 full bathrooms plus a versatile den — truly one of a kind! Enjoy the flow of the bright open concept layout connecting living, dining, kitchen and den areas. Rich maple hardwood flooring runs throughout the entire condo, excluding bathrooms and the dedicated laundry room. The dining room boasts expansive windows along two walls filling the space with plenty natural light. Step out onto the generously sized balcony, with convenient access from both the primary bedroom and living room. The primary bedroom is a peaceful retreat, complete with a private ensuite bathroom and a spacious walk in closet. You will find a 5 piece ensuite off the primary suite, alongside a well appointed 4 piece second bathroom. Stacked laundry is neatly situated within its own dedicated laundry room for added convenience. The well equipped kitchen showcases warm maple hardwood cabinetry, a central island with breakfast bar seating, durable granite countertops, and a full suite of Whirlpool appliances: refrigerator, stove, dishwasher, plus a built in microwave with under mount range hood. Set within a tranquil twin tower building, residents can take advantage of wonderful high end amenities including a rooftop terrace, fitness room, party room and guest suite. Step right outside your front door to access scenic walking paths that lead toward downtown Cambridge and the Cambridge Pollinator Preserve trail, perfect for enjoying local outdoor life. (id:63159)
Listing Information
- MLS®
- 40860097
- Data last synced
- October 10, 2026
SMART FROM HOME REALTY LIMITED
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: SMART FROM HOME REALTY LIMITED
MLS® Number: 40860097
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$402/sqft
Building average
—
No other active listings in this building
20 - City Core/Wellington average
$503/sqft
15 active listing(s)
Parking: 1 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: 5.6% ($31,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$452,000.00
Periodic payment — Principal & Interest (monthly)$2,916.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,992.10
Total monthly cost$4,908.25
Interest paid over 5-yr term$129,544.50
Balance at end of term$406,575.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$31,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,136.62
Cash Needed at Closing
Minimum down payment$31,500
Estimated Land Transfer Tax (LTT)$7,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,775
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.
