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Property Type: Detached HouseOwnership: Freehold
82 CHALMERS Street N
Cambridge, ON N1R5B8
MLS® 40862933
$1,188,900
5 bed5.5 bath3 parking3,341 sqftBuilt 2026
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 34 feet
RS1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
Interior
- Basement
- Finished, Full
- Heating
- Heat Pump, Forced air, Electric, Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Laundry room | Second level | — |
| 4pc Bathroom | Second level | 4'10'' x 10'0'' |
| 3pc Bathroom | Second level | 5'0'' x 10'0'' |
| Bedroom | Second level | 12'0'' x 13'1'' |
| Primary Bedroom | Second level | 11'9'' x 14'1'' |
| Living room | Second level | 10'6'' x 15'7'' |
| Dining room | Second level | 9'11'' x 12'1'' |
| Kitchen | Second level | 10'6'' x 12'1'' |
| Foyer | Main level | 7'8'' x 8'4'' |
| Utility room | Basement | 13'5'' x 14'3'' |
| 4pc Bathroom | Basement | 4'11'' x 12'5'' |
| Family room | Basement | 26'0'' x 16'8'' |
| Bedroom | Basement | 12'5'' x 9'6'' |
Description
Welcome to 82 Chalmers Street North, a newly constructed, purpose-built semi-detached duplex by Heathwood Homes, set in Cambridge’s established and sought-after East Galt neighbourhood. Offering over 3,300 sq. ft. of beautifully finished living space, this exceptional property presents two fully self-contained residences under one roof - an elegant solution for multigenerational living or a sophisticated income-generating opportunity. The primary residence features a spacious two-storey design with 3 bedrooms and 3 bathrooms, thoughtfully crafted for modern family living. The secondary residence offers a refined single-storey layout with 2 bedrooms, 2 bathrooms, and a private upper-level deck perfect for extended family, guests, or premium rental potential. Each home is complete with a full suite of five appliances, delivering both style and convenience. Designed with comfort and privacy at the forefront, both residences are bright and airy, enhanced by large windows that flood the interiors with natural light. Quality construction details include independent ductwork, sound-insulated plumbing stacks, and solid core interior doors, ensuring a quiet and private living experience. High-efficiency heating and cooling systems, paired with energy-efficient windows, provide year-round comfort and performance. Each residence is fully self-sufficient, featuring separate hydro and gas meters, primary and secondary water meters, and individual electrical panels, offering seamless functionality and flexibility. Outdoors, enjoy a professionally landscaped backyard and parking for up to three vehicles. Ideally located close to parks, schools, shopping, and everyday conveniences, this is a rare opportunity to own a turnkey, high-quality property that effortlessly blends luxury, versatility, and long-term value. (id:63161)
Listing Information
- MLS®
- 40862933
- Data last synced
- October 26, 2026
GRAND WEST REALTY INC., BROKERAGE
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: GRAND WEST REALTY INC., BROKERAGE
MLS® Number: 40862933
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
$356/sqft
Building average
—
No other active listings in this building
21 - Glenview, Lincoln, Oak average
$411/sqft
17 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: 7.9% ($93,890) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$951,120.00
Periodic payment — Principal & Interest (monthly)$6,136.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$167.00
Total monthly cost$6,303.30
Interest paid over 5-yr term$272,593.73
Balance at end of term$855,535.52
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$93,890
Stress test qualifying rate8.19%
Payment you must qualify for$8,490.42
Cash Needed at Closing
Minimum down payment$93,890
Estimated Land Transfer Tax (LTT)$20,253
Legal / closing costs (typical estimate)$1,500
Total cash needed$115,643
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.
