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Property Type: Detached HouseOwnership: Freehold
74 STIRLING MACGREGOR Drive
Cambridge, ON N1S4T1
MLS® 40868715
$724,888
3 bed2.5 bath3 parking2,184 sqftBuilt 1986
Open House
Sunday, November 1
2:00 PM – 4:00 PM
Hosted By: Ingrid Chartier
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Lot size
- 0.14 acres
- Frontage
- 60 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,869.22
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 9'9'' x 7'3'' |
| Bonus Room | Basement | 9'9'' x 12'3'' |
| Dining room | Main level | 10'11'' x 8'3'' |
| Recreation room | Basement | 10'7'' x 30'10'' |
| 4pc Bathroom | Second level | 4'11'' x 9'10'' |
| 2pc Bathroom | Main level | 4'8'' x 5'11'' |
| Bedroom | Second level | 10'8'' x 10'6'' |
| Bedroom | Second level | 10'5'' x 14'1'' |
| Primary Bedroom | Second level | 16'1'' x 11'4'' |
| Family room | Main level | 13'9'' x 14'8'' |
| Kitchen | Main level | 14'5'' x 9'5'' |
| Living room | Main level | 13'6'' x 10'11'' |
Description
Welcome to 74 Stirling MacGregor Drive, Cambridge! TIMELESS CHARM and thoughtful updates await in this established WEST GALT neighbourhood. Built by Thomasfield Homes, this 3-bedroom, 1.5-bathroom home offers a traditional layout on a 60-FOOT FRONTAGE and approximately 0.14-acre lot. A BRIGHT living and dining area features a large window overlooking the front yard and streetscape. Wide-plank laminate and ceramic flooring throughout the main floor offer style and practicality. The REFRESHED EAT-IN KITCHEN includes granite countertops, stainless appliances and casual dining space, with a connection to the family room for easy conversation. Sliding doors open to a TWO-TIERED DECK WITH HOT TUB, perfect for outdoor dining and summer gatherings. A COZY GAS FIREPLACE with brick surround and mantel anchors the family room. Remodelled main-floor laundry and a 2-piece powder room, plus interior garage access, add convenience. Upstairs, the CARPET-FREE second floor offers three generously sized bedrooms and a renovated 4-piece bathroom with a newer quartz-topped vanity. The FINISHED LOWER LEVEL includes a recreation/games area, separate hobby room, storage and a cold room. Outside, the FENCED BACKYARD offers space for gardening, play and entertaining. Updates include furnace and central air conditioning (2014), a remodelled powder room, and roof shingles, eavestroughs and soffits (2022). Close to schools, shopping, transit and Stirling MacGregor Park, with access to Grand River trails and downtown Galt’s shops, dining and historic streetscapes. Generous frontage, welcoming gathering spaces and practical updates make this a wonderful place to call home! (id:63161)
Listing Information
- MLS®
- 40868715
- Data last synced
- October 28, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40868715
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
$332/sqft
Building average
—
No other active listings in this building
12 - St Andrews/Southwood average
$364/sqft
12 active listing(s)
Parking: 3 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: 6.6% ($47,489) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$579,910.00
Periodic payment — Principal & Interest (monthly)$3,741.38
Additional monthly expenses (condo fees, tax, utilities, etc.)$514.77
Total monthly cost$4,256.15
Interest paid over 5-yr term$166,203.87
Balance at end of term$521,630.92
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$47,489
Stress test qualifying rate8.19%
Payment you must qualify for$5,252.38
Cash Needed at Closing
Minimum down payment$47,489
Estimated Land Transfer Tax (LTT)$10,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$59,962
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.
