Loading…
Property Type: Detached HouseOwnership: Freehold
22 PRETORIA Road
Cambridge, ON N1R5C4
MLS® 40869059
$499,900
4 bed1 bath5 parking1,574 sqftBuilt 1948
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 80 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,128
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Basement | 10'9'' x 19'6'' |
| Recreation room | Basement | 21'9'' x 15'9'' |
| Kitchen | Main level | 10'11'' x 11'3'' |
| Laundry room | Main level | — |
| Breakfast | Main level | 7'7'' x 8'8'' |
| 4pc Bathroom | Main level | — |
| Bedroom | Main level | 8'2'' x 9'0'' |
| Primary Bedroom | Main level | 11'1'' x 16'3'' |
| Bedroom | Main level | 10'11'' x 13'0'' |
| Family room | Main level | 12'3'' x 11'3'' |
Description
CHARMING NORTH GALT BUNGALOW ON SPRAWLING CORNER LOT | SEPARATE ENTRANCE & ENDLESS POTENTIAL. Welcome to this beautifully maintained 3+1 bedroom, 1-bathroom bungalow situated on an expansive corner lot along a quiet, tree-lined street in desirable North Galt. Bright, spotless, and move-in ready, the main floor showcases a completely carpet-free layout filled with natural light. The functional, open flow features an inviting living room, a spacious eat-in kitchen with generous cabinetry and an adjoining breakfast nook, plus versatile bedroom arrangements. Need dedicated work-from-home space or a formal dining room? The flexible third bedroom easily adapts to suit your lifestyle. The primary bedroom offers a charming walkout leading straight onto an expansive, multi-tier deck, the perfect private retreat for morning coffee or outdoor entertaining. Downstairs, the finished lower level with a separate exterior entrance provides endless possibilities, ideal as a secondary family entertainment hub, guest suite, or in-law setup. Step outside to discover a massive yard framed by mature greenery, a large shed, and an oversized paved driveway offering parking for 5 to 6 vehicles. Notable features include new roof 2026, furnace 2021, and owned hot water heater 2022. Centrally located in a family-friendly neighbourhood within walking distance to schools, parks, transit, and every everyday amenity across Cambridge. Whether you are looking to purchase your first home, invest, or downsize with ease, this property is packed with potential. (id:63161)
Listing Information
- MLS®
- 40869059
- Data last synced
- October 27, 2026
RE/MAX TWIN CITY FAISAL SUSIWALA REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY FAISAL SUSIWALA REALTY
MLS® Number: 40869059
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
$318/sqft
Building average
—
No other active listings in this building
30 - Elgin Park/Coronation average
$406/sqft
14 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
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
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$423.00
Total monthly cost$3,003.15
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
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.
