85 Spruce Street 103, Cambridge, ON N1R 4K4
Cambridge, ON N1R 4K4
Quick cost estimateKnown monthly subtotal$3,178.10 / monthLand transfer tax $8,473One-time estimate
Quick cost estimate
$3,178.10 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,791.24
- Property tax / month
- $386.87
- 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
- $8,473
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
- $8,473
- 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
Welcome to 103-85 Spruce St, a showstopping 2-bedroom, 2-bathroom multi-level loft offering 1691sqft of updated living space within a converted historic factory! Blending Galt's rich industrial character with contemporary finishes, this one-of-a-kind home delivers the scale, style &personality that traditional condos simply cannot match. Inside soaring ceilings, original exposed brick, polished concrete floors, wood-paneled ceilings, exposed ductwork & dramatic black accents create an effortlessly cool industrial aesthetic. Expansive multi-level design allows each space to feel distinct while maintaining an open connected flow throughout the home. Modern kitchen is an entertainer's dream with white cabinetry, quartz counters, S/S appliances, tiled backsplash & oversized island W/bar seating. Adjoining dining area offers lots of room for hosting friends & enjoying everyday meals, while a versatile office nook provides the perfect work-from-home setup without sacrificing valuable living space. Stylish 3pc bathroom completes this level. A few steps away, the impressive 2-storey living room offers towering ceilings, exposed brick & oversized windows that flood space with natural light. Upstairs the spacious primary bedroom overlooks the dramatic main living area creating a true loft-style retreat. The 2nd bedroom is tucked privately down the hall & offers access to a rare private patio surrounded by mature greenery-perfect secluded spot to enjoy morning coffee or unwind at the end of the day. Luxurious 4pc bathroom W/double vanity & tiled shower/tub completes the upper level. Secure underground parking adds everyday convenience while the building's location in a quiet residential pocket bordering a park offers a peaceful setting just mins from downtown Galt's restaurants, shops, arts venues & fitness studios. Bold, spacious & unlike anything else on the market, this is the perfect home for anyone craving authentic loft character without compromising on modern comfort
Home details
- Days on market
- Not reported
- Property type
- Condo Townhouse
- MLS® number
- X13810620
- Source status
- New
- Bedrooms
- 2
- Bathrooms
- 2
- Postal code
- N1R 4K4
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1600-1799 (units not reported)
- Garage parking spaces
- Not reported
- Total parking spaces
- 1
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- Underground
- Annual property tax
- 4642.39
- Maintenance fee (source period)
- 818.2
- Basement
- None
- Laundry
- In-Suite Laundry
- Interior features
- Auto Garage Door Remote, Water Softener
- Architectural style
- 2-Storey
- Parking features
- Underground
- Fireplace
- No
- Waterfront
- No
- Garage available
- Yes
- Attached garage
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Construction materials
- Brick, Concrete
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
- MLS entry age (not confirmed DOM)
- 48 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Heating system
- Forced Air
- Heating fuel
- Gas
- 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
- 2
- Rooms above grade
- 7
- Total rooms (source)
- 7
- 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
- $599,900
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.
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%
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%
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%
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%
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%
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%
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%
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.
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
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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
85 Spruce Street 103, Cambridge, ON N1R 4K4, Cambridge is listed for sale as a Condo Townhouse. The listing reports 2 bedrooms, 2 bathrooms, reported interior area of 1600-1799 (units not reported), kitchens reported as 1, parking spaces reported as 1. Asking price: $599,900. 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® X13810620.
The Ministry’s school dataset lists Central Public School approximately 492 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists Central Public School approximately 492 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: RE/MAX Real Estate Centre Inc. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13810620. Information deemed reliable but not guaranteed.