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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
22 FIFTH AVENUE
Cambridge, ON N1S2E9
MLS® X14122214
47
Walk Score
38
Transit
37
Bike
$669,900
4 bed2 bath2 parking
47
Walk Score
38
Transit
37
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 40 x 115 FT
- Frontage
- 40 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,218.98 (2026)
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | — |
| Primary Bedroom | Main level | — |
| Bedroom 2 | Main level | — |
| Bedroom 3 | Main level | — |
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Basement | — |
| Recreational, Games room | Basement | — |
| Bedroom 4 | Basement | — |
Description
Welcome to 22 Fifth Ave, a beautifully renovated 3+1 bedroom bungalow with a finished basement and a huge backyard in a welcoming family neighbourhood! Step inside to a bright living room featuring hardwood floors, a charming paneled feature wall and an expansive window that fills the space with natural light. Renovated in 2021, the eat-in kitchen offers timeless white cabinetry, stainless steel appliances, quartz counters and a tiled backsplash, with room to gather for everyday meals. Three bedrooms with large windows provide comfortable space for the whole family, while a 4-piece bathroom with a skylight completes the main level. Renovated in 2018, the finished basement adds fantastic space for relaxing and entertaining. The recreation room features a striking stone accent wall and pot lighting, creating an inviting setting for movie nights or watching the game. A beautiful two-tier wet bar makes hosting friends a breeze. A versatile den offers space for a home office, bedroom or hobbies, while the renovated bathroom features a sleek vanity and glass walk-in shower. Outside, the huge fenced backyard offers room for kids to play, pets to roam and your gardening plans to take root-with plenty of space left for summer entertaining! Enjoy barbecues and outdoor dining on the deck (2015), or unwind while taking in the mature trees. A shed with hydro adds valuable storage and a convenient place to tackle projects, while the concrete walkway (2021) provides a polished finishing touch. Walk to schools and multiple parks and enjoy being just minutes from downtown Galt's charming shops, cafes, restaurants and scenic riverside setting. A wonderful combination of updated living spaces, room to entertain and a backyard the whole family can enjoy (id:63161)
Listing Information
- MLS®
- X14122214
- Tax assessment year
- 2026
- Data last synced
- October 28, 2026
RE/MAX Real Estate Centre Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Real Estate Centre Inc
MLS® Number: X14122214
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 OnePoint Association of REALTORS®.
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
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: 6.3% ($41,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$535,920.00
Periodic payment — Principal & Interest (monthly)$3,457.57
Additional monthly expenses (condo fees, tax, utilities, etc.)$351.58
Total monthly cost$3,809.16
Interest paid over 5-yr term$153,596.21
Balance at end of term$482,061.77
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$41,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,868.65
Cash Needed at Closing
Minimum down payment$41,990
Estimated Land Transfer Tax (LTT)$9,873
Legal / closing costs (typical estimate)$1,500
Total cash needed$53,363
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.
