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Property Type: Detached HouseOwnership: Freehold
34 CHALMERS STREET N
Cambridge, ON N1R5B7
MLS® X13726462
$475,000
2 bed1 bath3 parking
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 66 x 138.6 FT
- Frontage
- 66 feet
R1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,051 (2026)
Interior
- Basement
- Unfinished, Partial, Walk-up, N/A, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Family room | Ground level | — |
| Kitchen | Ground level | — |
| Bathroom | Ground level | — |
| Sunroom | Ground level | — |
| Bedroom 2 | Second level | — |
| Bedroom | Second level | — |
| Den | Second level | — |
Description
Welcome to 34 Chalmers Street North, a longtime family home being offered for sale for the first time in over 40 years! Set on an impressive 66 x 138 ft lot, this is a property with space, character and plenty of potential for its next owner. Inside, the home offers a surprisingly spacious layout, including a bright dining room, a large family room off the kitchen, two bedrooms plus a den upstairs, and additional space in the basement with a walk up to the backyard. Outside, the expansive lot provides a backyard with room to enjoy now and plenty of possibilities for the future.The home has been well loved over the years and is ready for someone to bring their own vision to it. Update what is here, restore some of its original character, and make it your own. Furnace replaced in 2019. Property is being sold as is, where is. (id:63161)
Listing Information
- MLS®
- X13726462
- Tax assessment year
- 2026
- Data last synced
- October 29, 2026
VALERY REAL ESTATE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: VALERY REAL ESTATE INC.
MLS® Number: X13726462
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: 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
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% ($23,750) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$380,000.00
Periodic payment — Principal & Interest (monthly)$2,451.63
Additional monthly expenses (condo fees, tax, utilities, etc.)$337.58
Total monthly cost$2,789.21
Interest paid over 5-yr term$108,909.09
Balance at end of term$341,811.23
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$23,750
Stress test qualifying rate8.19%
Payment you must qualify for$3,498.88
Cash Needed at Closing
Minimum down payment$23,750
Estimated Land Transfer Tax (LTT)$5,975
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,225
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.
