Loading neighbourhood intel…

$358K · 3 bed Condo Townhouse · Unit 10, 487 Elgin Street, Cambridge, Ontario N1R 6V4 | HomeSearchCanada

$357,500

Unit 10

11 DOM

3111d

Map

DOM 11

$357,500

DOM11days

Unit 10

487 Elgin Street · Cambridge · Ontario N1R 6V4

MLS® X13770386 · N1R 6V4

31Vacant900-999 ft²Condo TownhouseNoneFull11d$377/ft²$2,081 tax/yrBuilt 198541 yrs oldFull

11 days on market

About this home

Welcome to this 3-bedroom townhome in sought-after North Galt, offering a functional layout, plenty of natural light, and great potential to make it your own. An excellent opportunity for first-time buyers, young families, or investors, the home features a bright main floor with a spacious living area that flows naturally into the dining space and kitchen. Large windows bring in an abundance of natural light, creating a comfortable and inviting atmosphere throughout the main living areas. The ki…

Reserved · coming next

HomeSearchCanada exclusive

Reserve your Home Buyers Package

Could save you thousands on this purchase — closing strategy, negotiation & rebate.

MyStreetValue™ Analysis

Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →

Property details

MLS#: X13770386
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full
Style: 2-Storey
Type: Condo Townhouse
Year built: 1985

Occupancy: Vacant
Washrooms: 3 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: RM4

Property features: Golf, Hospital, Library, Public Transit, School, Park

Condo corp #: 248
Balcony: None
Locker: None
Association amenities: BBQs Allowed, Visitor Parking
Fees include: Water Included, Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Avenue Rd & Elgin St N
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: EXP REALTY

Source: TRREB/PROPTX · MLS® X13770386

Do you own a home in Cambridge?

Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.

Get My StreetValue™ →

$358K

Unit 10 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $357,500✓ $2,081 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,422/mo

incl. closing costs (yr 1)

Annual total

$41,064

year 1

Mortgage only

$1,356/mo

principal + interest

Beyond mortgage

$1,288/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$71,500

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$173/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$3,575/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$32/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,838

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $16,275/yr

Property taxes14% $5,919/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,575/yr

Condo fees11% $4,635/yr

Closing costs12% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$16,275	$1,356/mo
Government & taxes
Property tax	$2,081	$173/mo
Land transfer tax(closing)	$3,838	$320/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,575	$298/mo
Condo fees
Condo / HOA fees	$4,635	$386/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$41,064	$3,422/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

Unlock Insider Deals

Sign in

Unit 10

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

Request a Showing

Request a Showing

Annual costs