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Property Type: Detached HouseOwnership: Freehold
77 BEVERLY Street
Cambridge, ON N1R3Z6
MLS® 40871285
$430,000
3 bed3.5 bath3 parking1,162 sqftBuilt 1888
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 3
- Frontage
- 66 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,066
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 3'5'' x 7'11'' |
| Bedroom | Basement | 10'2'' x 7'11'' |
| Kitchen | Basement | 12'8'' x 15'7'' |
| 2pc Bathroom | Basement | 6'5'' x 7'11'' |
| Primary Bedroom | Second level | 11'3'' x 12'1'' |
| Loft | Second level | 15'1'' x 10'0'' |
| 4pc Bathroom | Second level | 9'1'' x 4'6'' |
| Living room | Main level | 13'2'' x 16'8'' |
| Bedroom | Main level | 11'1'' x 9'3'' |
| 4pc Bathroom | Main level | 11'1'' x 6'9'' |
Description
**OPENHOUSE SUNDAY OCTOBER 18TH 2:00-4PM**. DOUBLE WIDE LOT WITH 2 LEVEL DETACHED SHOP/GARAGE! Welcome to 77 Beverly St...A little piece of Portugal in the heart of Galt in Cambridge! There is so much more here than meets the eye. Behind this unassuming home lies an exceptionally large and private backyard, once home to greenhouses, gardens, a chicken coop and even a smokehouse. Today, mature grapevines remain, producing delicious purple grapes. A wonderful reminder of the property’s roots and the generations who have enjoyed it. Inside, the home offers a unique layout with newer vinyl plank flooring throughout and plenty of flexibility for the next owner. The main level features a bright living room, main floor bedroom and a four-piece bathroom with a relaxing soaker tub. Upstairs, you’ll find a spacious primary bedroom with walk-in closet, a second four-piece bathroom and a versatile office space. Downstairs, following a traditional Mediterranean-inspired layout, the kitchen is located in the Walk-Out lower level, opening directly onto an expansive outdoor living area and that incredible backyard. A flexible bedroom/den/office provides additional space, while a newer three-piece bathroom with walk-in shower adds convenience. Outside, the possibilities are endless. The separate garage features an excavated lower level, offering valuable additional storage or workshop/Man cave with option for a wood stove with piping installed. And then there is the location. Just minutes from downtown Cambridge, the Gaslight District, schools, shopping, restaurants and everyday amenities, this is a wonderful setting for enjoying both community and convenience. Whether you’re dreaming of renovating and reimagining the home in your own style, or restoring some of the charm and traditions that made this property special, this home offers something increasingly rare, a home with history, character, land and a story waiting to continue! Book your private viewing today! (id:63161)
Listing Information
- MLS®
- 40871285
- Data last synced
- October 29, 2026
Keller Williams Innovation Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Innovation Realty
MLS® Number: 40871285
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
$370/sqft
Building average
—
No other active listings in this building
20 - City Core/Wellington average
$365/sqft
6 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: 5.0% ($21,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$344,000.00
Periodic payment — Principal & Interest (monthly)$2,219.37
Additional monthly expenses (condo fees, tax, utilities, etc.)$313.50
Total monthly cost$2,532.87
Interest paid over 5-yr term$98,591.39
Balance at end of term$309,429.11
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$21,500
Stress test qualifying rate8.19%
Payment you must qualify for$3,167.40
Cash Needed at Closing
Minimum down payment$21,500
Estimated Land Transfer Tax (LTT)$5,075
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,075
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.
