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Property Type: Detached HouseOwnership: Freehold
68 ELGIN STREET S
Cambridge, ON N1R5G5
MLS® X13635932
$649,900
4 bed2 bath6 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 50 x 150 FT
- Frontage
- 50 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,281.43 (2026)
Interior
- Basement
- Full
- Heating
- Heat Pump, Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Bathroom | Lower level | — |
| Laundry room | Lower level | — |
| Kitchen | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bedroom | Main level | — |
| Bathroom | Main level | — |
| Mud room | Main level | — |
| Great room | Lower level | — |
| Bedroom | Lower level | — |
| Office | Lower level | — |
Description
Welcome to this stylish, extensively updated 3+1 bedroom bungalow in sought-after Central Cambridge. Set on an exceptional 50' x 150' lot backing directly onto elementary school property, this home offers the space, privacy, and flexibility today's buyers are looking for. The bright open-concept main floor features three bedrooms, hardwood flooring, fresh trim and paint, updated windows and doors, and a beautifully renovated chef's kitchen complete with a center island, gas stove and modern backsplash. Both bathrooms have been updated, while major improvements including furnace, heat pump & A/C all in 24' with 10yr warranty, windows, doors, painting, plumbing, wiring, and a 220V EV plug provide added peace of mind, A newly added walk-in mudroom offers two convenient entrances along with built-in coat, shoe, and closet storage-ideal for busy households. With access to both the upper and lower levels, the layout offers excellent potential for separated living space or a future secondary unit, subject to applicable approvals. The finished lower level anchored by a large great room has a bathroom with walk-in shower, bedroom or home gym perhaps, office, laundry & storage space. Outside, the oversized backyard provides endless possibilities, with room to accommodate a garage and pool if desired. A new fence has been constructed along the driveway side of the property. A move-in-ready home with thoughtful upgrades, a standout lot, and a central location close to schools, parks, amenities, and transit. A must see! (id:63159)
Listing Information
- MLS®
- X13635932
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
Royal LePage Exchange Realty Co.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Exchange Realty Co.
MLS® Number: X13635932
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 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: 6.2% ($39,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$519,920.00
Periodic payment — Principal & Interest (monthly)$3,354.35
Additional monthly expenses (condo fees, tax, utilities, etc.)$273.45
Total monthly cost$3,627.80
Interest paid over 5-yr term$149,010.57
Balance at end of term$467,669.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$39,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,729.08
Cash Needed at Closing
Minimum down payment$39,990
Estimated Land Transfer Tax (LTT)$9,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$50,963
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.
