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Property Type: Detached HouseOwnership: Freehold
46 ESTHER Avenue
Cambridge, ON N1S4L6
MLS® 40867291
$1,150,000
4 bed3 bath6 parking2,289 sqftBuilt 1977
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 60 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,595
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Basement | 7'11'' x 6'7'' |
| Recreation room | Basement | 16'11'' x 30'4'' |
| 4pc Bathroom | Basement | 7'11'' x 4'11'' |
| Bedroom | Basement | 9'10'' x 14'6'' |
| Foyer | Main level | 8'11'' x 6'7'' |
| 4pc Bathroom | Main level | 7'7'' x 8'1'' |
| Bedroom | Main level | 9'7'' x 11'7'' |
| Bedroom | Main level | 13'10'' x 8'7'' |
| 3pc Ensuite bath | Main level | 4'11'' x 10'1'' |
| Primary Bedroom | Main level | 14'3'' x 16'1'' |
| Dining room | Main level | 9'10'' x 16'1'' |
| Kitchen | Main level | 14'7'' x 16'1'' |
| Living room | Main level | 17'2'' x 14'0'' |
Description
The bungalow you’ve been waiting for; professionally renovated this year, spacious and completely move-in ready. Tucked away on a quiet street in sought-after West Galt, 46 Esther Avenue offers the ease of one-floor living without giving up the space, yard or flexibility of a detached home. Set on an mature 60' x 153' lot, this 1,593 sq. ft. bungalow has been thoughtfully renovated with a bright, neutral aesthetic and an open concept layout designed for everyday living and entertaining. The main floor features 3 bedrooms and 2 bathrooms, including a spacious primary suite and 3 pc ensuite, along with a beautifully renovated kitchen, that opens to the dining and living areas. With wall to wall cabinets, new appliances including induction stove top, built in oven and microwave, French door refrigerator and dishwasher. The kitchen island anchors the space and features a double sink, quartz counters and seating for 4 bar stools. The large east-facing windows and sliding doors fill the space with morning light and lead to an elevated composite deck overlooking the expansive backyard, with views extending toward the Grand River and golf course beyond. Downstairs, the renovated walkout lower level adds another bedroom, 3-piece bathroom and a generous rec room, providing excellent space for guests, older children or extended family, with potential to create an additional dwelling unit. Outside, the deep backyard with mature trees banking the end, is a blank canvas with plenty of room to garden, entertain or even add that pool you’ve been dreaming about. And don't worry about keeping the grass green in the front, the inground sprinkler system has you covered. A double-car garage completes the package. Located close to trails, parks and the Grand River, with Downtown Galt, the Gaslight District and Highway 401 all within easy reach, this is a rare opportunity to enjoy a beautifully finished bungalow in an established West Galt neighbourhood. (id:63161)
Listing Information
- MLS®
- 40867291
- Data last synced
- October 26, 2026
Royal LePage Macro Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Macro Realty
MLS® Number: 40867291
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
$502/sqft
Building average
—
No other active listings in this building
14 - Westview average
$473/sqft
9 active listing(s)
Parking: 6 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: 7.8% ($90,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$920,000.00
Periodic payment — Principal & Interest (monthly)$5,935.53
Additional monthly expenses (condo fees, tax, utilities, etc.)$580.25
Total monthly cost$6,515.78
Interest paid over 5-yr term$263,674.64
Balance at end of term$827,542.98
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$90,000
Stress test qualifying rate8.19%
Payment you must qualify for$8,218.97
Cash Needed at Closing
Minimum down payment$90,000
Estimated Land Transfer Tax (LTT)$19,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$110,975
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.
