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Property Type: Detached HouseOwnership: Freehold
99 CEDAR Street
Cambridge, ON N1S1V7
MLS® 40859733
88
Walk Score
48
Transit
59
Bike
$499,900
3 bed1 bath3 parking1,075 sqft
88
Walk Score
48
Transit
59
Bike
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 41 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,220.94
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- None
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Storage | Basement | 4'2'' x 2'9'' |
| Other | Basement | 9'9'' x 5'5'' |
| Other | Basement | 12'1'' x 25'1'' |
| Laundry room | Basement | 10'7'' x 13'1'' |
| Primary Bedroom | Second level | 11'10'' x 8'11'' |
| Bedroom | Second level | 12'0'' x 8'0'' |
| Bedroom | Second level | 11'9'' x 8'0'' |
| 3pc Bathroom | Second level | 5'10'' x 6'3'' |
| Kitchen | Main level | 10'11'' x 13'3'' |
| Dining room | Main level | 10'11'' x 13'1'' |
| Living room | Main level | 10'11'' x 12'0'' |
Description
Welcome to 99 Cedar Street in Cambridge! This charming one-and-a-half-storey home in West Galt is perfect for first-time homebuyers or investors. It is ideally located near a variety of amenities and just a short walk to Victoria Park, the Grand River, the Gas Light District, and the vibrant downtown area. The home features a traditional layout with separate living & dining rooms, a bright eat-in kitchen with stainless steel appliances (including a gas range), and deck access. The upper level offers three bedrooms and a three-piece bathroom with a stand-alone tub. The unfinished basement provides plenty of extra space, including a laundry room, utility room, and a cold/storage room. Outside, relax on the covered front porch or enjoy the large raised deck overlooking the spacious, fully fenced yard with mature trees, perfect for entertaining and outdoor activities. (id:63159)
Listing Information
- MLS®
- 40859733
- Data last synced
- October 18, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40859733
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
$465/sqft
Building average
—
No other active listings in this building
11 - St Gregory's/Tait average
$376/sqft
11 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% ($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.)$322.41
Total monthly cost$2,902.56
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.
