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Property Type: Detached HouseOwnership: Freehold
18 CLEARVIEW DRIVE
Cambridge, ON N1S1B2
MLS® X13777158
$849,999
4 bed3 bath5 parking
Open House
Saturday, October 31
2:00 PM – 4:00 PM
Sunday, November 1
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 75 x 148.9 FT
- Frontage
- 75 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,351.16 (2025)
Interior
- Basement
- Finished, Apartment in basement, Separate entrance, Walk-up, N/A, N/A, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Second level | — |
| Bathroom | Basement | — |
| Bathroom | Second level | — |
| Bedroom | Main level | — |
| Bedroom | Second level | — |
| Family room | Lower level | — |
| Living room | Basement | — |
| Bedroom | Basement | — |
| Kitchen | Basement | — |
| Laundry room | Basement | — |
| Sunroom | Main level | — |
| Kitchen | Main level | — |
Description
More Than Meets the Eye! Welcome to this charming detached back-split home in desirable West Galt, situated on an extra-large lot in a quiet and peaceful family-friendly neighbourhood. Conveniently located close to schools, shopping, amenities and public transit, with a school within walking distance. Enjoy easy access to nearby trails and the Grand River, offering great opportunities for walking, cycling and enjoying nature. The main living area features 3 bedrooms, two full washrooms, a kitchen with backsplash, dining area and a spacious family room with a gas fireplace. Recent updates include one full washroom completed in 2025 and pot lights added in 2025. Patio doors lead to an enclosed sunroom, offering a comfortable space to relax and enjoy the outdoors. The home offers approximately 1,362.85 sq.ft. of above finished living area, plus an approximately 139.63 sq. ft. enclosed sunroom, providing app 1,500 sq.ft. of combined above-ground area. The separate-entrance basement offers excellent flexibility with 1 bedroom, 1 full washroom, kitchen and living area, making it ideal for extended family, guests or potential mortgage-help opportunities, subject to applicable requirements and approvals. Enjoy the large, fully fenced backyard featuring a heated above-ground pool, deck, gazebo and additional covered storage. A great outdoor space for relaxing, entertaining and enjoying summer with family and friends. This versatile West Galt home offers generous living space, a flexible basement arrangement, an oversized backyard and a peaceful neighborhood setting, all while being close to schools, amenities, the Grand River and scenic trails. A great opportunity for families looking for comfort, functionality and additional living space. (id:63161)
Listing Information
- MLS®
- X13777158
- Tax assessment year
- 2025
- Data last synced
- October 28, 2026
HOMELIFE/MIRACLE REALTY LTD
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE/MIRACLE REALTY LTD
MLS® Number: X13777158
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: 5 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
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Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($60,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$679,999.00
Periodic payment — Principal & Interest (monthly)$4,387.12
Additional monthly expenses (condo fees, tax, utilities, etc.)$529.26
Total monthly cost$4,916.39
Interest paid over 5-yr term$194,889.67
Balance at end of term$611,661.30
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$60,000
Stress test qualifying rate8.19%
Payment you must qualify for$6,125.45
Cash Needed at Closing
Minimum down payment$60,000
Estimated Land Transfer Tax (LTT)$13,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,975
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.
