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Property Type: Detached HouseOwnership: Freehold
9 SALISBURY AVENUE
Cambridge, ON N1S1H7
MLS® X13782440
$499,900
3 bed1 bath2 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 22 x 86 FT
- Frontage
- 22 feet
C1RM1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $2,858.02 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
| Bedroom | Second level | — |
| Primary Bedroom | Second level | — |
Description
Step into a piece of history with this charming circa-1890s home, where timeless character meets thoughtful modern updates. Ideally situated close to downtown Galt and Cambridge's vibrant Gaslight District, this unique property offers the character and convenience of an established neighbourhood. With both residential and commercial zoning, the property presents an exceptional opportunity for those looking to combine home and work under one roof. It is particularly well equipped for professional or home-based business use, with fully wired Ethernet throughout for fast, secure internet access, along with a wired multi-line business telephone system. Inside, the main floor has been refreshed with new luxury vinyl tile flooring (July 2026), complemented by newer windows and upgraded insulation in the walls and attic. The bedrooms and living room feature new lighting fixtures (June 2026), while the primary bedroom offers the added convenience of a large walk-in closet. The home has benefited from a number of additional updates, including a new furnace and central air conditioning (October 2016), new water softener (January 2025), and new kitchen and bathroom faucets, shower fixtures and toilet (January 2025). A new concrete front porch (August2026) adds to the home's curb appeal and functionality. Outside, the property provides parking for two vehicles (id:63161)
Listing Information
- MLS®
- X13782440
- Tax assessment year
- 2026
- Data last synced
- October 21, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: X13782440
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 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
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.
37 m away
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$238.17
Total monthly cost$2,818.32
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
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.
