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Property Type: TownhouseOwnership: Condominium
25 CONCESSION Street Unit# 111
Cambridge, ON N1R2G6
MLS® 40859214
$639,900
2 bed2 bath2 parking2,300 sqftBuilt 2011
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 1
- Frontage
- 0 feet
C1RM1
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Condominium
- Condo / maintenance fee
- $543/mo
- Annual property tax
- $4,979.94
Maintenance Fee Includes
Also included: Landscaping, Insurance, Parking
Interior
- Basement
- Unfinished, Full
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Storage | Lower level | 27'7'' x 41'2'' |
| Laundry room | Main level | 4'6'' x 5'6'' |
| Pantry | Main level | — |
| 4pc Bathroom | Main level | — |
| Bedroom | Main level | 10'10'' x 13'3'' |
| 3pc Bathroom | Main level | — |
| Primary Bedroom | Main level | 13'10'' x 14'5'' |
| Living room/Dining room | Main level | 21'8'' x 27'5'' |
Description
A fresh new look for one of Downtown Galt's most distinctive lofts. Set within the iconic Grand River Lofts, this newly refreshed two-bedroom, two-bathroom residence offers approximately 1,200 sq. ft. of open, character-filled living with soaring ceilings, exposed beams, stone walls and oversized windows that fill the home with natural light. Recent updates bring a fresh, contemporary feel while preserving the authentic architectural character that makes this conversion so special. The spacious single-level layout offers comfortable everyday living without compromise, complemented by two rare side-by-side parking spaces. But what truly separates this home from the typical condo is what lies below: an expansive private lower-level area approximately equal in size to the main living space. Ideal for exceptional storage, a workshop, fitness equipment, hobbies, bikes, seasonal gear or simply the freedom to keep more of what matters to you. Step outside and enjoy the best of Downtown Galt, with Grand River trails, cafés, restaurants, boutique shopping, the Gaslight District, Hamilton Family Theatre and the Farmers' Market all within walking distance. Vacant, move-in ready and easy to show — this is loft living with character, flexibility and space you simply don't find in a conventional condo. (id:63159)
Listing Information
- MLS®
- 40859214
- Data last synced
- October 5, 2026
ROYAL LEPAGE CROWN REALTY SERVICES
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE CROWN REALTY SERVICES
MLS® Number: 40859214
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
$278/sqft
Building average
—
No other active listings in this building
21 - Glenview, Lincoln, Oak average
$355/sqft
4 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: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,073.15
Total monthly cost$4,375.88
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$38,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,659.30
Cash Needed at Closing
Minimum down payment$38,990
Estimated Land Transfer Tax (LTT)$9,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,763
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.
