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Property Type: Detached HouseOwnership: FreeholdNEW LISTING
540 VINE STREET
Cambridge, ON N3H2Y8
MLS® X14114464
75
Walk Score
42
Transit
71
Bike
$639,900
3 bed2 bath5 parking
75
Walk Score
42
Transit
71
Bike
Amenities
Also listed: Fireplace(s)
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 45.1 x 154.7 FT
- Frontage
- 45.1 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,566.78
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Foyer | Main level | — |
| Other | Basement | — |
| Other | Basement | — |
| Other | Basement | — |
| Living room | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Family room | Main level | — |
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bathroom | Second level | — |
Description
Tons of space in the most adorable neighbourhood! Welcome home to 540 Vine Street in Preston. Before you even step inside, you'll love the curb appeal of this red-brick century home, with its expansive driveway, a maple tree out front, and a covered porch spanning the full width of the home. Inside, you're greeted by the front living and dining rooms, both with upgraded light fixtures, tall period-style baseboards, and vinyl plank flooring. Just steps away, the cozy kitchen boasts two-tone cabinetry. The back of the home is sure to steal your heart: a freshly painted large family room with exposed brick, new recessed lighting, and a gas fireplace, plus yard access through a sliding patio door or the side door. A spacious laundry room and 3pc bathroom with new shower complete the main level. Charming solid wood stairs lead to the second floor, where you'll find three good-sized bedrooms with generous closets and an oversized 3pc bathroom with a clawfoot tub and plenty of storage. The unfinished basement offers room for storage, plus an area ready to be finished as a recreation room. Out back, the fully fenced yard features a paver patio, a detached garage, and oodles of room for kids and pets to play. This nook of Preston offers mature trees, unique homes, pride of ownership, and access to all the major necessities in life. Don't miss your chance to call 540 Vine Street home! Book your private showing today! (id:63161)
Listing Information
- MLS®
- X14114464
- Data last synced
- October 26, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X14114464
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: 5 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: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (condo fees, tax, utilities, etc.)$380.57
Total monthly cost$3,683.30
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$38,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,659.30
Cash Needed at Closing
Minimum down payment$38,990
Estimated Land Transfer Tax (LTT)$9,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,763
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.
