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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
25 CULHAM DRIVE
Cambridge, ON N1S2G7
MLS® X14118490
36
Walk Score
37
Transit
13
Bike
$679,900
5 bed2 bath5 parking
36
Walk Score
37
Transit
13
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 62 x 115 FT
- Frontage
- 62 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,176
Interior
- Basement
- Finished, Apartment in basement, N/A, N/A
- Heating
- Forced air, Natural gas
Description
WEST GALT BUNGALOW WITH A 2-BEDROOM IN LAW. LOCATED IN A DESIRABLE POCKET OF THE NEIGHBORHOOD. Welcome to this spacious 5- bedroom, 2-bathroom bungalow offering a versatile layout, generous outdoor space, and excellent potential for multi-generational living or additional income. Ideally located just minutes from Cambridge's vibrant downtown core, shopping, trails, parks, restaurants, and everyday amenities, this home combines convenience with plenty of room to grow. The main level offers comfortable living space with well-sized bedrooms and an updated bathroom, renovated in 2021. Downstairs, the fully finished basement features an apartment/in-law suite, providing excellent flexibility for extended family, guests, or potential rental use. The basement was extensively updated in 2019, including updated plumbing. Outside, enjoy a spacious backyard complete with a deck and shed, both added in 2025, offering plenty of room for entertaining, gardening, or relaxing outdoors. Parking for up to 5 vehicles adds even more convenience. Several important improvements have already been completed, including a full septic system replacement in 2019 and new eavestroughs in 2019. With 5 bedrooms, 2 bathrooms, flexible living space, a large backyard, and a convenient Cambridge location, this bungalow offers an excellent opportunity for families, multi-generational households, or buyers looking for a home with added income potential. (id:63161)
Listing Information
- MLS®
- X14118490
- Data last synced
- October 28, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14118490
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: 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:
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Mortgage & Ownership Cost Calculator
Minimum required: 6.3% ($42,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$543,920.00
Periodic payment — Principal & Interest (monthly)$3,509.19
Additional monthly expenses (condo fees, tax, utilities, etc.)$348.00
Total monthly cost$3,857.19
Interest paid over 5-yr term$155,889.04
Balance at end of term$489,257.80
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$42,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,938.44
Cash Needed at Closing
Minimum down payment$42,990
Estimated Land Transfer Tax (LTT)$10,073
Legal / closing costs (typical estimate)$1,500
Total cash needed$54,563
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.
