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Property Type: Detached HouseOwnership: Freehold
29 VICTORIA AVENUE
Cambridge, ON N1S1X2
MLS® X14002122
$440,000
3 bed1 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 21.3 x 168.9 FT
- Frontage
- 21.3 feet
RS1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,266.3 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
| Mud room | Main level | — |
| Foyer | Main level | — |
Description
Welcome to this beautifully updated 3-bedroom, 1-bathroom semi-detached home in the charming and highly desirable West Galt neighbourhood of Cambridge! Offering a fantastic combination of modern updates, comfortable living and an unbeatable location, this move-in-ready home is perfect for first-time buyers, young families or anyone looking to enjoy everything this vibrant community has to offer. Step inside and discover a bright, inviting living space featuring updated laminate flooring throughout (2020) and a beautifully remodelled kitchen (2020), complete with modern cabinetry and stainless steel appliances. Whether you're preparing family meals or entertaining friends, this welcoming home offers the perfect setting for everyday living. Three well-sized bedrooms provide plenty of flexibility for growing families, guests or a home office. Enjoy peace of mind with numerous major updates already taken care of, including a new furnace and central A/C (2020), new windows (2022), a freshly resealed driveway (2023) and new gutters (2026). Location is everything, and this home delivers! Nestled in the heart of West Galt, you're just a short stroll from the beautiful Grand River, scenic walking trails and the exciting Gaslight District, where you'll find fantastic restaurants, entertainment, shops and a vibrant community atmosphere. Enjoy the perfect balance of neighbourhood charm and urban convenience, with everything you need just minutes away. Don't miss your opportunity to own this fantastic home in one of Cambridge's most sought-after communities. Don't miss your chance to call this place home, book your showing today! (id:63161)
Listing Information
- MLS®
- X14002122
- Tax assessment year
- 2026
- Data last synced
- October 21, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14002122
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: 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: 5.0% ($22,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$352,000.00
Periodic payment — Principal & Interest (monthly)$2,270.98
Additional monthly expenses (condo fees, tax, utilities, etc.)$272.19
Total monthly cost$2,543.18
Interest paid over 5-yr term$100,884.21
Balance at end of term$316,625.14
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,241.06
Cash Needed at Closing
Minimum down payment$22,000
Estimated Land Transfer Tax (LTT)$5,275
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,775
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.
