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Property Type: Detached HouseOwnership: Freehold
245 LOWTHER Street S
Cambridge, ON N3H1Y6
MLS® 40824333
$739,000
4 bed2.5 bath6 parking1,900 sqftBuilt 1906
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 55 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,621
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Main level | 9'0'' x 9'0'' |
| 3pc Bathroom | Second level | 8'0'' x 8'4'' |
| 2pc Bathroom | Second level | 4'4'' x 5'5'' |
| Bedroom | Second level | 11'9'' x 14'6'' |
| Bedroom | Second level | 10'8'' x 11'8'' |
| Bedroom | Second level | 13'9'' x 8'8'' |
| Foyer | Main level | 9'8'' x 9'9'' |
| Dining room | Main level | 23'3'' x 13'6'' |
| Family room | Main level | 11'5'' x 12'5'' |
| Kitchen | Main level | 12'8'' x 12'11'' |
Description
Write Your Own Page In History In This Magnificent, Beautiful Detached Home. Embrace The History Of This Fully Updated Home, 8 Inch Baseboards, Original Hardwood Floor And Grates. The Electrical, Plumbing And Duct Work, New Windows and more. The Furnace And Water Heater 2020. Shingles 2013. This 2 Story Century Home Will Take Your Breath Away. Central Located Detached Home On The Large Lot Is Minutes From The Grand River, With Lots Of Trails and Green Space. Located in the Beaming Community of Preston, In Cambridge, Just Off The 401, A Few Minutes To Kitchener And Conestoga Collage. The Potential Is Endless . Embrace The History Of This Fully Updated Home In The Great Established Family oriented Neighbourhood Close To Schools. Relax With Family And Friends In The Privacy Of The Huge Garden. Call The Agent And Arrange Private Showing. (id:63159)
Listing Information
- MLS®
- 40824333
- Data last synced
- October 11, 2026
Royal Lepage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal Lepage Wolle Realty
MLS® Number: 40824333
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
$389/sqft
Building average
—
No other active listings in this building
52 - Preston North average
$380/sqft
17 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
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
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 6.6% ($48,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$591,200.00
Periodic payment — Principal & Interest (monthly)$3,814.22
Additional monthly expenses (condo fees, tax, utilities, etc.)$396.75
Total monthly cost$4,210.97
Interest paid over 5-yr term$169,439.62
Balance at end of term$531,786.31
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$48,900
Stress test qualifying rate8.19%
Payment you must qualify for$5,350.86
Cash Needed at Closing
Minimum down payment$48,900
Estimated Land Transfer Tax (LTT)$11,255
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,655
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.
