20 Cheese Factory Road 102, Cambridge, ON N1P 0B2
Cambridge, ON N1P 0B2
Quick cost estimateKnown monthly subtotal$2,097.94 / monthLand transfer tax $4,324.99One-time estimate
Quick cost estimate
$2,097.94 / monthKnown monthly subtotal
- Mortgage principal & interest
- $1,814.60
- Property tax / month
- $283.33
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $4,324.99
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $4,324.99
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Discover a unique condo opportunity in the heart of Cambridge! This inviting, low-rise condominium offers low monthly maintenance fees, a functional layout, and a convenient location close to schools, parks, shopping, and everyday amenities. Inside, you'll find three generously sized bedrooms, in-suite laundry, and the added convenience of a separate exterior entrance. The open-concept family room offers a comfortable space to relax or entertain, with a walkout to a private balcony for enjoying some fresh air. Residents also enjoy access to a beautiful playground, adding to this welcoming community. Ideally situated in the City of Cambridge, you'll enjoy easy access to the area's charming downtown districts, local shops and restaurants, scenic Grand River trails, parks, and recreational spaces. With convenient access to major routes and surrounding communities, this location offers a great balance of everyday convenience and small-city charm. An excellent opportunity for first-time buyers or downsizers looking for value and versatility. Come discover all that this unique condo and the City of Cambridge have to offer!
Home details
- Days on market
- Not reported
- Property type
- Condo Apartment
- MLS® number
- X14161924
- Source status
- New
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- N1P 0B2
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 1000-1199 (units not reported)
- Garage parking spaces
- Not reported
- Total parking spaces
- 1
- Occupancy
- Tenant
- Possession type
- Flexible
- Garage
- Surface
- Annual property tax
- 3400
- Maintenance fee (source period)
- 402.62
- Basement
- None
- Laundry
- Ensuite
- Interior features
- Carpet Free
- Architectural style
- Apartment
- Parking features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- No
- Heating system
- Water
- Heating fuel
- Other
- Cooling
- Central Air
- Construction materials
- Brick
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Heating system
- Water
- Heating fuel
- Other
- Cooling
- Central Air
- Included in maintenance
- Common Elements Included, Building Insurance Included, Parking Included
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 6
- Total rooms (source)
- 6
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $389,999
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- WATERLOO
- Municipality
- CAMBRIDGE
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
St Vincent de Paul Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
30 Faial Road, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 69%
- Grade 3 Writing (at provincial standard)
- 64%
- Grade 3 Mathematics (at provincial standard)
- 61%
- Grade 6 Reading (at provincial standard)
- 93%
- Grade 6 Writing (at provincial standard)
- 91%
- Grade 6 Mathematics (at provincial standard)
- 66%
Monsignor Doyle Catholic Secondary School ↗
Secondary · 9-12 · English · Catholic
185 Myers Rd, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 46%
- Grade 10 OSSLT (first-attempt pass)
- 92%
Holy Spirit Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
15 Gate House Dr, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 77%
- Grade 3 Writing (at provincial standard)
- 68%
- Grade 3 Mathematics (at provincial standard)
- 72%
- Grade 6 Reading (at provincial standard)
- 83%
- Grade 6 Writing (at provincial standard)
- 73%
- Grade 6 Mathematics (at provincial standard)
- 61%
Stewart Avenue Public School ↗
Elementary · JK-8 · English · Public
Waterloo Region DSB
145 Stewart Ave, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 52%
- Grade 3 Writing (at provincial standard)
- 33%
- Grade 3 Mathematics (at provincial standard)
- 39%
- Grade 6 Reading (at provincial standard)
- 86%
- Grade 6 Writing (at provincial standard)
- 79%
- Grade 6 Mathematics (at provincial standard)
- 55%
Chalmers Street Public School ↗
Elementary · JK-6 · English · Public
Waterloo Region DSB
35 Chalmers St S, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 58%
- Grade 3 Writing (at provincial standard)
- 51%
- Grade 3 Mathematics (at provincial standard)
- 47%
- Grade 6 Reading (at provincial standard)
- 64%
- Grade 6 Writing (at provincial standard)
- 62%
- Grade 6 Mathematics (at provincial standard)
- 35%
Moffat Creek Public School ↗
Elementary · JK-8 · English · Public
Waterloo Region DSB
710 Myers Road, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 77%
- Grade 3 Writing (at provincial standard)
- 70%
- Grade 3 Mathematics (at provincial standard)
- 62%
- Grade 6 Reading (at provincial standard)
- 83%
- Grade 6 Writing (at provincial standard)
- 78%
- Grade 6 Mathematics (at provincial standard)
- 42%
Glenview Park Secondary School ↗
Secondary · 9-12 · English · Public
Waterloo Region DSB
55 McKay St, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 53%
- Grade 10 OSSLT (first-attempt pass)
- 85%
Guardian Angels Catholic Elementary School (Elementary) School
Elementary · JK-8 · English · Catholic
605 Wesley Boulevard, Cambridge
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
Filter the records displayed below.
Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in Cambridge, Waterloo, Ontario
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
How do I request a showing?
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
20 Cheese Factory Road 102, Cambridge, ON N1P 0B2, Cambridge is listed for sale as a Condo Apartment. The listing reports 3 bedrooms, 2 bathrooms, reported interior area of 1000-1199 (units not reported), kitchens reported as 1, parking spaces reported as 1. Asking price: $389,999. Occupancy is reported as Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X14161924.
The Ministry’s school dataset lists St Vincent de Paul Catholic Elementary School approximately 498 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists St Vincent de Paul Catholic Elementary School approximately 498 m from the property’s mapped location.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: KELLER WILLIAMS REFERRED URBAN REALTY. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14161924. Information deemed reliable but not guaranteed.