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Property Type: Detached HouseOwnership: Freehold
236 RIDGE ROAD
Cambridge, ON N3E0C2
MLS® X13832038
$1,099,000
4 bed4.5 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 43 x 103.5 FT
- Frontage
- 43 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $9,288
Interior
- Basement
- Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Loft | Second level | — |
| Office | Main level | — |
| Family room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Eating area | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
Description
Price Right for Quick Sale!! This stunning 3,167 sq. ft. home features 4 spacious bedrooms plus a huge loft/office that can easily be converted into a 5th bedroom, complete with its own private balcony. Enjoy 4 washrooms, 9-foot ceilings on the main floor, upgraded 8-foot-tall doors, and a bright office with a beautiful bay window. The open-concept layout offers a spacious family room with a gas fireplace, formal dining room, and an impressive kitchen featuring granite countertops, granite backsplash, and upgraded taller cabinets. This fully brick home is ideally located just steps from breathtaking walking trails, parks, and schools-perfect for families looking for space, comfort, and an incredible community lifestyle! (id:63159)
Listing Information
- MLS®
- X13832038
- Data last synced
- September 27, 2026
HOMELIFE MAPLE LEAF REALTY LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HOMELIFE MAPLE LEAF REALTY LTD.
MLS® Number: X13832038
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: 6 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.
308 m away
Mortgage & Ownership Cost Calculator
Minimum required: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$774.00
Total monthly cost$6,446.30
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$84,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,863.07
Cash Needed at Closing
Minimum down payment$84,900
Estimated Land Transfer Tax (LTT)$18,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,855
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.
