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Property Type: Detached HouseOwnership: Freehold
437 GARDEN Street
Cambridge, ON N3H4E1
MLS® 40870891
$549,900
3 bed2.5 bath3 parking1,838 sqft
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 3
- Frontage
- 53 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,100
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Window air conditioner
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Recreation room | Basement | 9'11'' x 19'0'' |
| Attic | Third level | 23'0'' x 23'11'' |
| 4pc Bathroom | Second level | — |
| Sunroom | Second level | 7'1'' x 21'1'' |
| Den | Second level | 7'2'' x 8'3'' |
| Bedroom | Second level | 7'2'' x 9'8'' |
| Bedroom | Second level | 10'11'' x 11'0'' |
| Primary Bedroom | Second level | 10'9'' x 12'11'' |
| Laundry room | Main level | — |
| 2pc Bathroom | Main level | — |
| Dining room | Main level | 10'11'' x 12'8'' |
| Living room | Main level | 11'9'' x 19'0'' |
| Kitchen | Main level | 10'7'' x 13'2'' |
| Foyer |
Description
With a little tender loving care this home would be an absolute show stopper. Excellent home to utilize a purchase plus improvements mortgage. 3 bedrooms plus a den, a walk up attic, and a walk up basement to the rear yard. Large 3 season sun room upstairs across the front of the home. 2 piece bathroom on the main floor. 4 piece bathroom on second floor. All natural hardwood woodwork and trim. 9 foot ceilings on the main floor. 10 inch baseboards throughout the entire home. Solid hardwood doors. All large rooms. Large living room and dining room on the main floor. Main floor laundry. New forced air furnace and all duct work (09). New roof (13). Huge rear yard with a large rear deck. Lots of room for a pool or a large detached garage. Solid brick carriage house and shed. (id:63161)
Listing Information
- MLS®
- 40870891
- Data last synced
- October 24, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: 40870891
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 Cornerstone Association of REALTORS®.
Values & Trends
This listing
$299/sqft
Building average
—
No other active listings in this building
52 - Preston North average
$386/sqft
17 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: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (condo fees, tax, utilities, etc.)$433.67
Total monthly cost$3,271.88
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$29,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,031.25
Cash Needed at Closing
Minimum down payment$29,990
Estimated Land Transfer Tax (LTT)$7,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,963
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.
