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Property Type: Condo / ApartmentOwnership: Condominium
308 - 19 GUELPH AVENUE
Cambridge, ON N3C1A2
MLS® X12957824
$1,259,000
2 bed3.5 bath2 parking
Amenities
GymVisitor Parking
Also listed: Storage - Locker
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Loft
C1RM2
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $650/mo
- Annual property tax
- $6,573.34 (2025)
Maintenance Fee Includes
Heat
Also included: Common Area Maintenance, Insurance
Interior
- Basement
- Unknown, Unknown, Unknown
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Other | Main level | — |
| Living room | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Main level | — |
Description
Welcome to Riverbank Lofts, a boutique historic stone conversion on the Speed River in the heart of Hespeler Village. This rare corner unit offers luxury with 12' ceilings, exposed beams, and oversized windows showcasing river and waterfall views. Featuring 2 bedrooms with private ensuites, a powder room, and a show-stopping 18' island kitchen with built-in appliances, servery, and pantry.High-end finishes include European white oak flooring, heated floors in baths and laundry, custom built-ins, automatic blinds, and designer lighting. One of only three units with a private river-view balcony and a 2-car garage. Enjoy amenities like a fitness centre, common lounges, bike storage, and direct access to trails and the river.Steps to shops, restaurants, and cafes, with easy access to Hwy 401-this is elevated loft living in one of Cambridge's most desirable locations. (id:63159)
Listing Information
- MLS®
- X12957824
- Tax assessment year
- 2025
- Data last synced
- October 18, 2026
Red And White Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Red And White Realty Inc
MLS® Number: X12957824
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
$480/sqft
81 active listing(s)
Parking: 2 stall(s) includedStorage locker: Included
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
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Mortgage & Ownership Cost Calculator
Minimum required: 8.0% ($100,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,007,200.00
Periodic payment — Principal & Interest (monthly)$6,498.11
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,197.66
Total monthly cost$7,695.77
Interest paid over 5-yr term$288,666.42
Balance at end of term$905,979.66
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$100,900
Stress test qualifying rate8.19%
Payment you must qualify for$8,979.61
Cash Needed at Closing
Minimum down payment$100,900
Estimated Land Transfer Tax (LTT)$21,655
Legal / closing costs (typical estimate)$1,500
Total cash needed$124,055
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.