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Property Type: Detached HouseOwnership: Freehold
20 PINECREST AVENUE
Cambridge, ON N1R2Y8
MLS® X13886394
$645,000
3 bed1 bath3 parking
Open House
Saturday, October 31
1:00 PM – 3:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 66 x 140 FT
- Frontage
- 66 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,079 (2025)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Description
Charming Galt Side Split Backing Onto Churchill Park. Loved and cared for by the same family since 1966, this charming 3-bedroom, 1-bath side split is ready for its next chapter. Full of character, warmth and timeless charm, this home offers wonderful opportunity for first-time buyers looking to get into the market and make a home their own. The spacious backyard is a true highlight, backing directly onto Churchill Park with no rear neighbours offering plenty privacy, green space and room to enjoy the outdoors. Inside you'll find a comfortable layout with three bedrooms and plenty of potential to personalize and update over time. A home with a story, a great yard and a location you'll love. Come see why this one has been cherished for nearly 60 years. (id:63161)
Listing Information
- MLS®
- X13886394
- Tax assessment year
- 2025
- Data last synced
- October 26, 2026
RE/MAX a-b Realty Ltd Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX a-b Realty Ltd Brokerage
MLS® Number: X13886394
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 Woodstock Ingersoll Tillsonburg and Area Association of REALTORS® (WITAAR).
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 3 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:
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 6.1% ($39,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$516,000.00
Periodic payment — Principal & Interest (monthly)$3,329.06
Additional monthly expenses (condo fees, tax, utilities, etc.)$339.92
Total monthly cost$3,668.97
Interest paid over 5-yr term$147,887.08
Balance at end of term$464,143.67
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,694.89
Cash Needed at Closing
Minimum down payment$39,500
Estimated Land Transfer Tax (LTT)$9,375
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,375
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.
