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Property Type: Detached HouseOwnership: Freehold
86 ST ANDREWS Street
Cambridge, ON N1S1M4
MLS® 40872364
93
Walk Score
53
Transit
70
Bike
$849,900
3 bed2.5 bath2 parking1,781 sqftBuilt 1890
93
Walk Score
53
Transit
70
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 74 feet
R5
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,000
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 31'1'' x 12'10'' |
| Recreation room | Basement | 13'0'' x 12'5'' |
| Primary Bedroom | Second level | 18'2'' x 12'0'' |
| Other | Second level | 4'11'' x 14'5'' |
| Bedroom | Second level | 11'9'' x 12'0'' |
| Bedroom | Second level | 9'0'' x 9'4'' |
| 4pc Bathroom | Second level | 9'0'' x 6'7'' |
| Office | Main level | 14'1'' x 11'2'' |
| Office | Main level | 9'4'' x 5'6'' |
| Living room | Main level | 14'1'' x 15'3'' |
| Laundry room | Main level | 4'8'' x 7'6'' |
| Kitchen | Main level | 15'9'' x 14'3'' |
| Family room | Main level | 11'4'' x 10'10'' |
Description
Welcome to 86 St Andrews Street, a beautifully renovated character home in prestigious Dickson Hill, set on an impressive 74-foot-wide pie shaped lot. This 3-bedroom, 2-bath home combines historic charm with high-end custom finishes, exceptional craftsmanship and extensive modern updates completed in 2025. The versatile main floor offers a living room, family room, beautifully appointed kitchen, main-floor laundry and two offices. The larger office offers flexibility as a den, guest room or potential fourth bedroom, while the second is ideal for working from home. Multiple exterior entrances add further functionality. A full basement provides substantial utility and storage space. The extensive renovation went well beyond finishes, with major upgrades to HVAC, plumbing, electrical, insulation, windows, doors and exterior components, complemented by custom millwork, wide-plank hardwood and carefully restored heritage details. With multiple living spaces, 3+1-bedroom potential, a 74-foot-wide pie shaped lot and a highly functional floor plan, this move-in-ready home offers a rare combination of character, craftsmanship, flexibility and modern convenience—steps from Victoria Park and within walking distance of the Gaslight District and Downtown Galt. (id:63161)
Listing Information
- MLS®
- 40872364
- Data last synced
- October 26, 2026
RE/MAX Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX Twin City Realty Inc.
MLS® Number: 40872364
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
$477/sqft
Building average
—
No other active listings in this building
10 - Victoria average
$408/sqft
8 active listing(s)
Parking: 2 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
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
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Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 7.1% ($59,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$679,920.00
Periodic payment — Principal & Interest (monthly)$4,386.61
Additional monthly expenses (condo fees, tax, utilities, etc.)$505.67
Total monthly cost$4,892.28
Interest paid over 5-yr term$194,867.03
Balance at end of term$611,590.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$59,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,124.76
Cash Needed at Closing
Minimum down payment$59,990
Estimated Land Transfer Tax (LTT)$13,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,963
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.
