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Property Type: Detached HouseOwnership: Freehold
20 GRANDY Lane
Cambridge, ON N1R8K2
MLS® 40844635
$1,699,000
5 bed3.5 bath8 parking3,439 sqftBuilt 1997
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Frontage
- 163 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $12,264
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 16'7'' x 17'5'' |
| Storage | Basement | 7'10'' x 14'0'' |
| Bedroom | Basement | 16'7'' x 15'0'' |
| Other | Basement | 9'2'' x 12'6'' |
| 4pc Bathroom | Basement | 7'6'' x 7'4'' |
| Bedroom | Basement | 10'5'' x 11'3'' |
| Bedroom | Basement | 14'10'' x 13'3'' |
| Recreation room | Basement | 22'9'' x 25'0'' |
| Laundry room | Main level | 7'8'' x 5'6'' |
| 2pc Bathroom | Main level | 6'0'' x 5'6'' |
| 5pc Ensuite bath | Main level | 12'2'' x 11'7'' |
| Primary Bedroom | Main level | 21'2'' x 17'5'' |
| Living room | Main level | 20'9'' x 15'3'' |
Description
RARE OPPORTUNITY! Custom built raised bungalow on a 1.04-acre lot, offering court location surrounded by protected greenspace. This exclusive, 10 estate court rarely has homes come up for sale and 20 Grandy lane is one that takes full advantage of the natural features, completely backing onto mature forest with direct access to Millcreek conservation land. The home features a stunning all stone exterior with a beautiful retaining wall and carefully set natural stone steps, leading to the front door. The main level layout is wide open with large windows, designed to overlook the backyard from anywhere within the open space and providing access to the elevated multi-level deck completed with composite decking and glass rails. A rich, maple raised panel kitchen sits central with an oversized quartz countertop and raised bar sitting area; elegant crown molding finishes the cabinets to the ceiling with built-in stainless-steel appliances, gas cooktop. Equal in elegance is the built-in family room wall unit featuring gas fireplace insert. A three-sided fireplace separates the dining room from a sunken sitting area providing for an elevated view of the backyard; coffered ceiling accents and hardwood flooring span the space. Completing the space is a large bedroom, laundry, 2-piece bathroom, and the primary suite, complete with walk in closet and recently renovated(2023) 5-piece spa like ensuite. A hardwood staircase leads to the lower level which is still completely above grade; the home was strategically placed to take full advantage of the walkout. Lower level gives access to the oversized, staggered double car garage. Perfectly suited as a multi-generational home, offering three bedrooms, a recently renovated (2023) 4-piece bathroom, recreation room with gas fireplace, and kitchenette along with wet bar. Roof(2024), Additional oversized garden shed for equipment storage. Minutes from the 401, amenities, and schools. Don’t miss this truly beautiful property! (id:63159)
Listing Information
- MLS®
- 40844635
- Data last synced
- October 2, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40844635
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
$494/sqft
Building average
—
No other active listings in this building
33 - Clemens Mills/Saginaw average
$347/sqft
17 active listing(s)
Parking: 8 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: 20.0% ($339,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,359,200.00
Periodic payment — Principal & Interest (monthly)$8,769.10
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,194.00
Total monthly cost$9,963.10
Interest paid over 5-yr term$389,550.63
Balance at end of term$1,222,604.80
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$339,800
Stress test qualifying rate8.19%
Payment you must qualify for$10,538.88
Cash Needed at Closing
Minimum down payment$339,800
Estimated Land Transfer Tax (LTT)$30,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$371,755
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.
