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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
28 CAMBRIDGE STREET
Cambridge, ON N1R3R7
MLS® X14124582
$499,000
2 bed2 full, 2 half bath3 parking
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Saturday, November 7
2:00 PM – 4:00 PM
Sunday, November 8
2:00 PM – 4:00 PM
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 52.1 x 79.3 FT
- Frontage
- 52.1 feet
C1RM1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,218.43 (2025)
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Loft | Second level | — |
Description
Historic charm meets modern living in the heart of Galt! Step inside this beautifully transformed 1880 detached home and discover a unique blend of character, style and functionality. Thoughtfully renovated while preserving its timeless appeal, this home offers an exceptional opportunity for buyers looking for something truly different. The bright, welcoming main level features soaring ceilings, an inviting living space and a modern eat-in kitchen with stainless steel appliances and a walkout to the deck and private yard-perfect for morning coffee, entertaining, or enjoying summer evenings outdoors. A beautifully updated, spa-inspired bathroom with a walk-in shower adds a touch of luxury to everyday living. Upstairs, the versatile loft space provides the flexibility today's buyers are looking for. Use it as a home office, creative studio, guest space, reading retreat or potential additional bedroom, depending on your needs. And the possibilities don't stop there. The property offers commercial and residential zoning, creating exciting potential for those who want to combine their home and business lifestyle, subject to buyer verification and applicable approvals. Extensive improvements were completed, including updated plumbing, electrical, furnace, ductwork, central air, insulation, framing, drywall, exterior finishes, fencing, soffits, eaves, water heater and water softener, with the deck subsequently updated as well. Located just minutes from downtown Galt, you'll have easy access to local shops, restaurants, the farmers' market, parks, trails, transit and other amenities. A distinctive home. A flexible lifestyle. A location with character. Come experience the possibilities at 28 Cambridge Street. (id:63161)
Listing Information
- MLS®
- X14124582
- Tax assessment year
- 2025
- Data last synced
- October 29, 2026
HomeLife Power Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: HomeLife Power Realty Inc
MLS® Number: X14124582
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 3 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
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,200.00
Periodic payment — Principal & Interest (monthly)$2,575.50
Additional monthly expenses (condo fees, tax, utilities, etc.)$268.20
Total monthly cost$2,843.71
Interest paid over 5-yr term$114,411.87
Balance at end of term$359,081.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,950
Stress test qualifying rate8.19%
Payment you must qualify for$3,675.66
Cash Needed at Closing
Minimum down payment$24,950
Estimated Land Transfer Tax (LTT)$6,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,905
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.
