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Property Type: Detached HouseOwnership: Freehold
41 STEADMAN STREET
Cambridge, ON N1S0C7
MLS® X14103144
13
Walk Score
26
Transit
12
Bike
$1,099,000
4 bed4.5 bath4 parking
13
Walk Score
26
Transit
12
Bike
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 33.4 x 98.6 FT ; 63.07ftx33.43ft x 73.86ftx33.43x 98.61ft
- Frontage
- 33.4 feet
R6
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $7,894
Interior
- Basement
- Unfinished, Full, Separate entrance, N/A, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Dining room | Main level | — |
| Library | Main level | — |
| Partial bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
| Bedroom 4 | Second level | — |
Description
An impressive 4-bdrm, 3.5-bath family home offering 2,340 sqft above grade & over $130,000 in upgrades, situated on a premium pie-shaped corner lot in desirable West Galt! A stately brick & stone exterior with 8-ft double entry doors sets the tone. Step inside to sun-drenched, open-concept living and dining featuring oversized windows & 9-ft main-floor ceilings, with engineered hardwood throughout. The stunning kitchen showcases modern cabinetry, quartz countertops, premium KitchenAid S/S appliances, including a gas stove & a centre island perfect for casual dining. The adjoining breakfast nook offers sliding doors to the back deck, creating an effortless indoor-outdoor flow. A chic powder room and a versatile room with two large windows ideal for a sitting room or home office complete this level. Modern oak stairs lead to the spacious primary retreat, featuring two large windows, a double closet, walk-in closet & a makeup nook. Its luxurious ensuite offers a double vanity, a soaker tub and a glass shower. A second primary suite enjoys a private 4-pc ensuite, while two additional bedrooms share another 4-pc bathroom. Convenient 2nd-floor laundry room with two laundry sinks. The unfinished basement offers access to the garage through a separate entrance, a 3-pc bathroom rough-in and a laundry sink. Explore the potential for an in-law or income suite, or finish the space to suit your family's needs with a games room or home theatre. Outside, the beautiful two-tier deck includes a covered area for dining or lounging, overlooking a generous yard enclosed by composite fencing with plenty of room for children to play or summer entertaining. An EV charger adds further convenience. Just around the corner, Bismark Park offers a playground, splash pad, tennis & basketball courts and a skate park. Enjoy easy access to Hwy 401 and Downtown Galt, with its boutique shops, restaurants and scenic river walks. (id:63161)
Listing Information
- MLS®
- X14103144
- Data last synced
- October 25, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X14103144
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: 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:
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Mortgage & Ownership Cost Calculator
Minimum required: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$657.83
Total monthly cost$6,330.13
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$84,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,863.07
Cash Needed at Closing
Minimum down payment$84,900
Estimated Land Transfer Tax (LTT)$18,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,855
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.
