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Property Type: Detached HouseOwnership: Freehold
18 LOWREY AVENUE N
Cambridge, ON N1R5A2
MLS® X13878094
$609,900
3 bed2.5 bath2 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 30 x 108 FT
- Frontage
- 30 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,773 (2025)
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 | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Partial bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bathroom | Second level | — |
| Utility room | Basement | — |
Description
Welcome to 18 LOWREY AVENUE NORTH, A Beautifully Updated 3 Bedroom, 2 Bathroom Detached Gem In East Galt. Known For Stately Homes And Stunning Streetscapes, This Quiet Neighbourhood Is Bordered By The Grand River, The Historic Downtown And Major Amenities. Tasteful Neutral Tones And Hardwood Floors Warm The Open Concept Main Level. A Gorgeous Modern Kitchen Offers Ample Cupboard And Counter Space For Culinary Adventures, Entertaining And Family Get Togethers. The Family Room Offers A Calming Getaway With Walk-Out To An Oversized Gazebo And Fenced Low Maintenance Rear Yard. If Remote Working Is An Option, Convert The Family Room Into A Home Office, Or Take Advantage Of The Fireplace/TV Wall For The Ultimate Gaming Set-Up. A Powder Room Is Conveniently Tucked Around A Corner Along With The Entrance To The Lower Level Offering Tons Of Storage Space. The Generous Primary (Fits A King Size) And Two Additional Bedrooms Are On The Second Level Of The Home, Each Welcoming Natural Light And Subtle Breezes Through Large Windows. An Updated 4 Piece Bathroom Finishes The Upper Level. Whether You Are Looking For Your First Home, Looking For More Space, Or Less Yard Maintenance, This Amazing Location Is A Must See! (id:63161)
Listing Information
- MLS®
- X13878094
- Tax assessment year
- 2025
- Data last synced
- October 26, 2026
COLDWELL BANKER ESCARPMENT REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: COLDWELL BANKER ESCARPMENT REALTY
MLS® Number: X13878094
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: 2 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: 5.9% ($35,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$487,920.00
Periodic payment — Principal & Interest (monthly)$3,147.89
Additional monthly expenses (condo fees, tax, utilities, etc.)$314.42
Total monthly cost$3,462.31
Interest paid over 5-yr term$139,839.27
Balance at end of term$438,885.62
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$35,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,449.95
Cash Needed at Closing
Minimum down payment$35,990
Estimated Land Transfer Tax (LTT)$8,673
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,163
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.
