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Property Type: Condo / ApartmentOwnership: Condominium
85 SPRUCE Street N Unit# 203
Cambridge, ON N1R4K4
MLS® 40842954
91
Walk Score
55
Transit
69
Bike
$359,000
2 bed2 bath1 parking947 sqftBuilt 2009
91
Walk Score
55
Transit
69
Bike
Amenities
Gym
Also listed: Party Room
Property Details
Property & Lot
- Sub-type
- Apartment
- Style
- Other
- Stories
- 1
RM3
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Condominium
- Condo / maintenance fee
- $819/mo
- Annual property tax
- $3,085.08
Maintenance Fee Includes
Management
Also included: Common Area Maintenance, Landscaping, Insurance, Parking
Interior
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Main level | 5'4'' x 6'11'' |
| 4pc Bathroom | Main level | 5'4'' x 8'3'' |
| 3pc Bathroom | Main level | 5'4'' x 8'3'' |
| Laundry room | Main level | 3'11'' x 3'2'' |
| Bedroom | Main level | 15'5'' x 12'11'' |
| Bedroom | Main level | 11'6'' x 13'0'' |
| Living room | Main level | 11'10'' x 16'7'' |
| Kitchen | Main level | 9'2'' x 16'7'' |
Description
Welcome to Spruce Street Lofts, where industrial heritage meets modern style in the heart of East Galt. This spacious 947 square foot loft blends original character, and boasts a two bedroom, two bathroom set up, with loft vibes accentuated by exposed brick, soaring ceilings, and oversized windows, the contemporary finishes for a truly one- of-a-kind living experience. Steps from the Grand River, the Gaslight District, cafés, shops, trails, and parks, this location offers both urban walkability and natural beauty.Residents enjoy secure entry, a fitness centre, party room, parking, and storage. With its generous floorplan, unique charm, and unbeatable location, this unit is perfect for professionals, downsizers, or investors looking for something special in Cambridge.Historic charm meets Modern comfort, with Downtown convenience. Welcome home to 203- 85 Spruce Street! (id:63161)
Listing Information
- MLS®
- 40842954
- Data last synced
- October 28, 2026
Michael St. Jean Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Michael St. Jean Realty Inc.
MLS® Number: 40842954
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
$379/sqft
Building average
—
No other active listings in this building
21 - Glenview, Lincoln, Oak average
$442/sqft
9 active listing(s)
Parking: 1 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:
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($17,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$287,200.00
Periodic payment — Principal & Interest (monthly)$1,852.92
Additional monthly expenses (condo fees, tax, utilities, etc.)$1,122.59
Total monthly cost$2,975.51
Interest paid over 5-yr term$82,312.35
Balance at end of term$258,337.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$17,950
Stress test qualifying rate8.19%
Payment you must qualify for$2,644.41
Cash Needed at Closing
Minimum down payment$17,950
Estimated Land Transfer Tax (LTT)$3,860
Legal / closing costs (typical estimate)$1,500
Total cash needed$23,310
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.
