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Property Type: Detached HouseOwnership: Freehold
54 BRUCE STREET
Cambridge, ON N1R2E3
MLS® X13739760
$1,449,900
6 bed5 bath9 parking
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 3
- Lot size
- 109 x 135 FT
- Frontage
- 109 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $8,207 (2026)
Interior
- Basement
- Unfinished, Full, Walk-up, N/A, N/A
- Heating
- Natural gas
- Cooling / A/C
- Wall unit
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Loft | Third level | — |
| Kitchen | Third level | — |
| Bedroom | Third level | — |
| Bedroom | Third level | — |
| Sunroom | Third level | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Family room | Main level | — |
| Kitchen | Main level | — |
| Laundry room | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Second level | — |
Description
A rare opportunity to own one of Galt's landmark stone homes. Built in 1859 by master stone masons Thomas and James Dalgleish and recently added to Cambridge's Heritage Registry, this three-storey residence offers 4,780 sq ft, 6 bedrooms and 5 bathrooms on a generous, fully fenced lot. Character is everywhere: deep stone walls, arched window openings, original woodwork, stained glass, pocket doors, and two wood-burning fireplaces anchoring the main living spaces. Just as important, the heavy lifting is done. Over $200,000 in renovations since 2022 includes a full electrical upgrade removing knob and tube, updated plumbing, air conditioning on all three floors, refinished hardwood, and a fully renovated European-style kitchen with custom cabinetry and new appliances. The third floor is a self-contained suite with its own kitchen, bathroom, separate entrance, and a private sunroom off the bedroom. Ideal for extended family, guests, or a home office wing, it offers flexibility rarely found in a heritage property. Outside: mature trees, two covered porches, and a large detached 2-car garage. Downtown Galt, the farmers' market, and the Grand River are a five-minute walk away. A heritage dossier prepared by architect Eric Rodrigues, Founding Principal of Boldera Architecture, accompanies the listing, providing both an assessment of the home's architectural significance and a roadmap for its future. More than 160 years on, 54 Bruce Street is ready for its next chapter. (id:63159)
Listing Information
- MLS®
- X13739760
- Tax assessment year
- 2026
- Data last synced
- September 25, 2026
CHESTNUT PARK REAL ESTATE LIMITED
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: CHESTNUT PARK REAL ESTATE LIMITED
MLS® Number: X13739760
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: 9 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: 8.3% ($119,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$1,159,920.00
Periodic payment — Principal & Interest (monthly)$7,483.41
Additional monthly expenses (condo fees, tax, utilities, etc.)$683.92
Total monthly cost$8,167.33
Interest paid over 5-yr term$332,436.41
Balance at end of term$1,043,351.79
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$119,990
Stress test qualifying rate8.19%
Payment you must qualify for$10,311.78
Cash Needed at Closing
Minimum down payment$119,990
Estimated Land Transfer Tax (LTT)$25,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$146,963
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.
