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Property Type: TownhouseOwnership: Freehold
28 BORDEN Street
Cambridge, ON N1S3N2
MLS® 40872033
51
Walk Score
38
Transit
30
Bike
$549,000
2 bed2.5 bath4 parking1,219 sqftBuilt 1975
51
Walk Score
38
Transit
30
Bike
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 3
- Frontage
- 20 feet
RM4
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Annual property tax
- $3,163
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Third level | 10'9'' x 11'10'' |
| 4pc Bathroom | Third level | — |
| Primary Bedroom | Third level | 17'3'' x 10'7'' |
| Kitchen | Second level | 10'5'' x 9'11'' |
| Foyer | Main level | 6'5'' x 7'8'' |
| Dining room | Second level | 8'5'' x 9'11'' |
| Living room | Second level | 15'4'' x 13'7'' |
| 2pc Bathroom | Main level | — |
| Utility room | Main level | 6'6'' x 6'2'' |
Description
190-FOOT-DEEP LOT! FREEHOLD TOWNHOME WITH NO CONDO FEES, AN ATTACHED GARAGE AND PARKING FOR UP TO 4 VEHICLES! Why take on a renovation or monthly condo fees when you can enjoy a turnkey home with the freedom of freehold ownership? Welcome to 28 Borden Street, a beautifully renovated, move-in-ready home offering the rare combination of stylish interiors, generous parking and a deep private property backing toward mature trees and greenery. Inside, the bright, open-concept living area is designed for comfortable everyday living and entertaining. Enjoy wide-plank flooring, recessed lighting, a striking linear fireplace and an updated white kitchen featuring Calacatta quartz countertops, stainless steel appliances, generous cabinetry and a large centre island. Upstairs are two inviting bedrooms with custom built-in storage and a beautifully updated full bathroom featuring modern tile, black fixtures and a glass-enclosed tub/shower. A convenient powder room adds everyday practicality.Step onto the glass-railed front balcony for your morning coffee or unwind on the private rear deck surrounded by a peaceful, tree-lined setting. With approximately 1,219 sq. ft. of living space, contemporary finishes throughout, an attached garage and a remarkable 190-foot-deep lot, this home offers much more than the typical townhouse experience. Perfect for buyers looking to skip the renovation process and enjoy a low-maintenance lifestyle without condo fees. SEE THE SPACE, THE FINISHES AND THE LOT FOR YOURSELF. (id:63161)
Listing Information
- MLS®
- 40872033
- Data last synced
- October 27, 2026
THE AGENCY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: THE AGENCY
MLS® Number: 40872033
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
$450/sqft
Building average
—
No other active listings in this building
11 - St Gregory's/Tait average
—
No comparable active listings
Parking: 4 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.
Mortgage & Ownership Cost Calculator
Minimum required: 5.4% ($29,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,200.00
Periodic payment — Principal & Interest (monthly)$2,833.57
Additional monthly expenses (condo fees, tax, utilities, etc.)$324.58
Total monthly cost$3,158.15
Interest paid over 5-yr term$125,875.98
Balance at end of term$395,061.82
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,900
Stress test qualifying rate8.19%
Payment you must qualify for$4,024.97
Cash Needed at Closing
Minimum down payment$29,900
Estimated Land Transfer Tax (LTT)$7,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,855
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.
