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Property Type: Detached HouseOwnership: Freehold
76 MADEIRA Crescent
Cambridge, ON N1R8A1
MLS® 40865406
$809,900
6 bed3 bath5 parking3,368 sqftBuilt 1990
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 67 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,880
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Recreation room | Basement | 19'3'' x 18'8'' |
| Kitchen | Basement | 7'4'' x 13'6'' |
| 4pc Bathroom | Basement | 8'0'' x 7'6'' |
| Bedroom | Basement | 14'11'' x 15'8'' |
| Bedroom | Basement | 12'1'' x 16'11'' |
| Bedroom | Second level | 10'0'' x 11'11'' |
| Bedroom | Second level | 10'11'' x 15'5'' |
| 5pc Bathroom | Second level | 7'10'' x 11'4'' |
| Primary Bedroom | Second level | 15'4'' x 14'10'' |
| 4pc Bathroom | Main level | 7'3'' x 12'1'' |
| Bedroom | Main level | 12'6'' x 11'2'' |
| Living room | Main level | 15'1'' x 23'6'' |
| Kitchen | Main level | 6'1'' x 13'2'' |
Description
INVESTORS & MULTI-GENERATIONAL BUYERS — 6 BEDROOMS + INCOME POTENTIAL! SPACE. FLEXIBILITY. INCOME POTENTIAL. Welcome to this impressive 6-bedroom, 3-bathroom backsplit in the family-friendly Galt East area of Cambridge, offering an incredible 3,368+ sq. ft. of finished living space. Whether you're an investor looking to add a property with rental potential, a savvy buyer seeking a home that can help offset carrying costs, or a family needing space for multi-generational living, this property offers the flexibility today's buyers are looking for. One of the biggest advantages is the separate potential income suite with its own entrance. Use it for extended family, a private guest area, a home-based setup, or explore its potential as a rental space. The layout provides multiple possibilities for creating additional value and maximizing the home's functionality. Inside, you'll find six bedrooms, three bathrooms, generous living areas, and hardwood flooring, providing plenty of room for larger households or flexible tenant arrangements. With over 3,368 sq. ft. of finished space, there is no shortage of room to work with. The outdoor space adds even more appeal. The large, fully fenced backyard, mature shrubs, and wrap-around deck create an inviting private setting for entertaining, relaxing, or enjoying time with family. For investors and larger households alike, parking and storage are also a major plus. The property offers ample parking plus a double garage, providing valuable additional space for vehicles, or equipment. And the location makes this opportunity even more compelling. Situated in Galt East, this established, family-oriented neighbourhood offers convenient access to the amenities, services, schools, transportation routes, and everyday conveniences that make Cambridge an attractive place to live and invest. Don't overlook the possibilities. Book your private showing today and explore the potential this property has to offer! (id:63161)
Listing Information
- MLS®
- 40865406
- Data last synced
- October 29, 2026
Real Broker Ontario Ltd.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Real Broker Ontario Ltd.
MLS® Number: 40865406
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
$240/sqft
Building average
—
No other active listings in this building
22 - Churchill Park/Moffatt Creek average
$404/sqft
5 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: 6.9% ($55,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$647,920.00
Periodic payment — Principal & Interest (monthly)$4,180.16
Additional monthly expenses (condo fees, tax, utilities, etc.)$741.33
Total monthly cost$4,921.49
Interest paid over 5-yr term$185,695.73
Balance at end of term$582,806.14
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$55,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,845.62
Cash Needed at Closing
Minimum down payment$55,990
Estimated Land Transfer Tax (LTT)$12,673
Legal / closing costs (typical estimate)$1,500
Total cash needed$70,163
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.
