28 Cambridge Street, Cambridge, ON N1R 3R7
Cambridge, ON N1R 3R7
Quick cost estimateKnown monthly subtotal$2,589.97 / monthLand transfer tax $6,455One-time estimate
Quick cost estimate
$2,589.97 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,321.77
- Property tax / month
- $268.20
- 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
- $6,455
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
- $6,455
- 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
Historic charm meets modern living in the heart of Galt! Step inside this beautifully transformed 1880 detached home and discover a unique blend of character, style and functionality. Thoughtfully renovated while preserving its timeless appeal, this home offers an exceptional opportunity for buyers looking for something truly different. The bright, welcoming main level features soaring ceilings, an inviting living space and a modern eat-in kitchen with stainless steel appliances and a walkout to the deck and private yard-perfect for morning coffee, entertaining, or enjoying summer evenings outdoors. A beautifully updated, spa-inspired bathroom with a walk-in shower adds a touch of luxury to everyday living. Upstairs, the versatile loft space provides the flexibility today's buyers are looking for. Use it as a home office, creative studio, guest space, reading retreat or potential additional bedroom, depending on your needs. And the possibilities don't stop there. The property offers commercial and residential zoning, creating exciting potential for those who want to combine their home and business lifestyle, subject to buyer verification and applicable approvals. Extensive improvements were completed, including updated plumbing, electrical, furnace, ductwork, central air, insulation, framing, drywall, exterior finishes, fencing, soffits, eaves, water heater and water softener, with the deck subsequently updated as well. Located just minutes from downtown Galt, you'll have easy access to local shops, restaurants, the farmers' market, parks, trails, transit and other amenities. A distinctive home. A flexible lifestyle. A location with character. Come experience the possibilities at 28 Cambridge Street.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X14124582
- Source status
- New
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- N1R 3R7
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1100-1500
- Lot size
- < .50 acres (reported range)
- Lot depth
- 79.26 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 3
- Occupancy
- Owner
- Possession type
- Immediate
- Garage
- None
- Annual property tax
- 3218.43
- Basement
- Unfinished
- Interior features
- Water Heater
- Architectural style
- Bungaloft
- Parking features
- Private
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- East
- Construction materials
- Concrete Poured, Stucco (Plaster)
- Roof
- Asphalt Shingle
- Foundation
- Concrete
- MLS entry age (not confirmed DOM)
- 9 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
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
- 2
- Rooms above grade
- 8
- Den / family room reported
- No
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
- $499,000
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.
Explore sold records with approved VOW access →Nearby homes sold near 28 Cambridge Street, Cambridge, ON N1R 3R7, Cambridge
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Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
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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.
Central Public School ↗
Elementary · JK-6 · English · Public
Waterloo Region DSB
175 Main St E, 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)
- 61%
- Grade 3 Writing (at provincial standard)
- 50%
- Grade 3 Mathematics (at provincial standard)
- 46%
- Grade 6 Reading (at provincial standard)
- 90%
- Grade 6 Writing (at provincial standard)
- 79%
- Grade 6 Mathematics (at provincial standard)
- 38%
Galt Collegiate and Vocational Institute ↗
Secondary · 9-12 · English · Public
Waterloo Region DSB
200 Water St N, 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)
- 68%
- Grade 10 OSSLT (first-attempt pass)
- 83%
Manchester Public School ↗
Elementary · JK-6 · English · Public
Waterloo Region DSB
455 Dundas 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 3 Reading (at provincial standard)
- 61%
- Grade 3 Writing (at provincial standard)
- 42%
- Grade 3 Mathematics (at provincial standard)
- 61%
- Grade 6 Reading (at provincial standard)
- 89%
- Grade 6 Writing (at provincial standard)
- 97%
- Grade 6 Mathematics (at provincial standard)
- 37%
St Anne Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
127 Elgin St N, 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)
- 63%
- Grade 3 Writing (at provincial standard)
- 53%
- Grade 3 Mathematics (at provincial standard)
- 46%
- Grade 6 Reading (at provincial standard)
- 68%
- Grade 6 Writing (at provincial standard)
- 54%
- Grade 6 Mathematics (at provincial standard)
- 27%
Highland Public School ↗
Elementary · JK-6 · English · Public
Waterloo Region DSB
125 Salisbury 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)
- 69%
- Grade 3 Writing (at provincial standard)
- 59%
- Grade 3 Mathematics (at provincial standard)
- 67%
- Grade 6 Reading (at provincial standard)
- 87%
- Grade 6 Writing (at provincial standard)
- 91%
- Grade 6 Mathematics (at provincial standard)
- 46%
St Andrew's Public School ↗
Elementary · 6-8 · English · Public
Waterloo Region DSB
65 Victoria 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.
No published percentages for these measures in this source record.
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%
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
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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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?
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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
28 Cambridge Street, Cambridge, ON N1R 3R7, Cambridge is listed for sale as a Detached. The listing reports 2 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 3, lot size reported as < .50 acres (reported range). Asking price: $499,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X14124582.
The Ministry’s school dataset lists Central Public School approximately 573 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists Central Public School approximately 573 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: HomeLife Power Realty Inc. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14124582. Information deemed reliable but not guaranteed.