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Property Type: Detached HouseOwnership: Freehold
5 GEORGE Street S
Cambridge, ON N1S2N3
MLS® 40871124
$450,000
4 bed2 full, 2 half bath2 parking1,368 sqftBuilt 1880
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.09 acres
- Frontage
- 31 feet
C1RM1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,979.1
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Second level | 10'3'' x 14'1'' |
| 1pc Bathroom | Second level | 4'5'' x 9'1'' |
| Bedroom | Second level | 10'0'' x 10'0'' |
| Bedroom | Second level | 10'7'' x 10'9'' |
| Kitchen | Second level | 8'9'' x 12'4'' |
| Bedroom | Main level | 5'6'' x 10'5'' |
| Bedroom | Main level | 10'5'' x 13'1'' |
| 1pc Bathroom | Main level | 4'10'' x 6'11'' |
| Living room | Main level | 10'9'' x 15'3'' |
| Kitchen | Main level | 10'2'' x 12'1'' |
Description
Welcome to 5 George Street South, Cambridge. A charming semi-detached century home with two units, offering an outstanding opportunity for investors, multi-generational families, or buyers looking to offset their mortgage with rental income. Featuring 4 bedrooms, 2 bathrooms and 1,348 sq ft of living space on a 31.01 x 119 ft lot. The striking stone exterior immediately sets this home apart, while inside you'll find spacious principal rooms, high ceilings, abundant natural light, beautiful original wood trim that highlights the home's historic charm. Large windows fill the living spaces with natural light, creating warm and inviting interiors full of character. Situated in one of Cambridge's most walkable neighbourhoods, this property boasts an impressive 9.7/10 Walk Score, placing parks, cafés, restaurants, shopping and everyday amenities just steps from your front door. Enjoy the convenience of downtown living with easy access to the vibrant Gaslight District, scenic Grand River trails, transit and local attractions. Whether you're looking to expand your investment portfolio, accommodate extended family, or live in one unit while generating rental income from the other, this offers flexibility and long-term value in a highly desirable location. Opportunities to own a character-filled home in the heart of Cambridge are rare. Don't miss your chance to own a versatile property with exceptional lifestyle appeal and outstanding investment potential. (id:63159)
Listing Information
- MLS®
- 40871124
- Data last synced
- October 20, 2026
eXp Realty, Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: eXp Realty, Brokerage
MLS® Number: 40871124
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
$329/sqft
Building average
—
No other active listings in this building
10 - Victoria average
$427/sqft
8 active listing(s)
Parking: 2 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% ($22,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$360,000.00
Periodic payment — Principal & Interest (monthly)$2,322.60
Additional monthly expenses (condo fees, tax, utilities, etc.)$316.26
Total monthly cost$2,638.86
Interest paid over 5-yr term$103,177.03
Balance at end of term$323,821.16
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$22,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,314.72
Cash Needed at Closing
Minimum down payment$22,500
Estimated Land Transfer Tax (LTT)$5,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,475
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.
