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Property Type: Condo / ApartmentOwnership: Condominium
25 CONCESSION Street Unit# 110
Cambridge, ON N1R2G6
MLS® 40865494
$369,900
1 bed1 bath1 parking1,170 sqft
Open House
Saturday, October 31
11:00 AM – 1:00 PM
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
C1RM1
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $388/mo
- Annual property tax
- $3,266.3
Maintenance Fee Includes
Management
Also included: Landscaping, Parking
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Other | Basement | 42'3'' x 13'7'' |
| Living room | Main level | 10'9'' x 9'11'' |
| Kitchen | Main level | 11'2'' x 5'4'' |
| Dining room | Main level | 12'9'' x 7'10'' |
| Bedroom | Main level | 18'0'' x 13'2'' |
| 4pc Bathroom | Main level | 5'4'' x 7'5'' |
Description
Experience the character of historic Galt in this unique ground-level one-bedroom condo at The Grand River Lofts. With soaring 15-foot ceilings, original exposed stonework, and large open living spaces, this home offers a distinctive blend of historic charm, modern comfort, and unbeatable spaciousness. The carpet-free interior features radiant heating throughout, while the kitchen includes granite countertops, stainless steel appliances, and tile backsplash. The spacious lower level is an especially rare feature, providing an additional 546 square feet of development potential. This unfinished space creates the opportunity to expand the living space and create an area that fits your needs, or simply provides ample storage. Set in the heart of Downtown Cambridge, you'll be within easy reach of Dickson Park, Soper Park, the Grand River, Trans Canada trails, and the vibrant Gaslight District, with its restaurants, cafes, shops, and entertainment. Whether you're looking for your first home, a low-maintenance space for your lifestyle, or an investment opportunity, this one-of-a-kind condo offers character, flexibility, and convenience all in one of Cambridge's most desirable neighborhoods. Don't miss the chance to make it your own! (id:63161)
Listing Information
- MLS®
- 40865494
- Data last synced
- October 28, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40865494
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
$316/sqft
Building average
—
No other active listings in this building
21 - Glenview, Lincoln, Oak average
$452/sqft
9 active listing(s)
Parking: 1 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: 5.0% ($18,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$295,920.00
Periodic payment — Principal & Interest (monthly)$1,909.18
Additional monthly expenses (condo fees, tax, utilities, etc.)$719.12
Total monthly cost$2,628.30
Interest paid over 5-yr term$84,811.52
Balance at end of term$266,181.00
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$18,495
Stress test qualifying rate8.19%
Payment you must qualify for$2,724.70
Cash Needed at Closing
Minimum down payment$18,495
Estimated Land Transfer Tax (LTT)$4,024
Legal / closing costs (typical estimate)$1,500
Total cash needed$24,019
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.
