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Property Type: Detached HouseOwnership: Freehold
99 LINNWOOD Avenue
Cambridge, ON N1R1V2
MLS® 40864849
$739,900
4 bed2 bath3 parking2,437 sqftBuilt 1970
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Frontage
- 50 feet
R4
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $4,410
Interior
- Basement
- Finished, Full
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Cold room | Basement | 4'2'' x 25'1'' |
| Utility room | Basement | 20'1'' x 13'5'' |
| Other | Basement | 6'2'' x 7'7'' |
| Bedroom | Main level | 8'8'' x 11'4'' |
| Living room | Basement | 11'2'' x 11'4'' |
| Kitchen | Basement | 11'3'' x 10'7'' |
| 4pc Bathroom | Basement | 4'10'' x 10'2'' |
| Recreation room | Basement | 11'5'' x 25'3'' |
| Living room | Main level | 16'8'' x 10'10'' |
| 4pc Bathroom | Main level | 6'9'' x 10'4'' |
| Bedroom | Main level | 11'4'' x 11'4'' |
| Primary Bedroom | Main level | 12'3'' x 11'9'' |
| Bedroom | Main level | 9'5'' x 10'4'' |
Description
Live in one. Rent the other. Am opportunity for homeowners and investors alike! Welcome to this all-brick bungalow in East Galt, situated on a generous 50 x 134 ft. lot and offering two living spaces, two kitchens and two full bathrooms. Whether you're looking to offset your monthly mortgage payments, generate rental income or accommodate extended family, this property offers the flexibility and opportunity to make it happen! The spacious main floor features 3 bedrooms, hardwood flooring, updated kitchen and bathroom and comfortable everyday living, while the lower level offers 1-bedroom with its own kitchen, bathroom, living area and separate entrance. A shared laundry area provides convenience for both living spaces. Currently owner-occupied, the property presents an opportunity to live on one level, and accomodate extended family in the lower level. Enjoy a fully fenced backyard with plenty of space for entertaining, gardening or relaxing. Important updates include roof shingles (2018), furnace (2021), owned tankless water heater (2021) and owned water softener (2018). Additional features include carpet-free living and a cold room. For first-time buyers, this could be a practical way to enter the housing market with help from rental income. For investors, it's an opportunity to explore two living spaces. And for families, it offers the benefit of living close while maintaining separate spaces. Two units. One smart investment. Don't miss your opportunity to see the potential for yourself. Book your private showing today! (id:63161)
Listing Information
- MLS®
- 40864849
- Data last synced
- October 23, 2026
RE/MAX REAL ESTATE CENTRE INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX REAL ESTATE CENTRE INC.
MLS® Number: 40864849
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
$304/sqft
Building average
—
No other active listings in this building
24 - Alison Park/Eastview North average
$527/sqft
4 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: 6.6% ($48,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$591,920.00
Periodic payment — Principal & Interest (monthly)$3,818.87
Additional monthly expenses (condo fees, tax, utilities, etc.)$489.50
Total monthly cost$4,308.37
Interest paid over 5-yr term$169,645.97
Balance at end of term$532,433.95
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$48,990
Stress test qualifying rate8.19%
Payment you must qualify for$5,357.14
Cash Needed at Closing
Minimum down payment$48,990
Estimated Land Transfer Tax (LTT)$11,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,763
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.
