For SaleSemi-Detached · 2-StoreyMLS® #X13514836 · TRREB MLS®
156 St. Andrews St, Cambridge, Ontario
Cambridge, Ontario N1S 1N3
- Bedrooms
- 3
- Lot Size
- 33 x 130 ft
- Bathrooms
- 1
- Type
- Semi-Detached
- Basement
- Unfinished
$469,900
Estimated market value
About 156 St. Andrews St
156 St. Andrews St is a 3-bedroom, 1-bathroom semi-detached house in Cambridge, listed for sale at an asking price of $469,900 (MLS® X13514836).
Are you still looking for an affordable listing to get into the market? Then set your sights on 156 St. Andrews Street in the West Galt portion of Cambridge. This semi-detached freehold home is conveniently located close to schools, shopping, transit, parks, trails and is just a few minutes away from the action at the Gas Light District in downtown Galt. The home is almost 1,400 sq feet and has 3 upper-level bedrooms and 1 full bathroom. Each bedroom has a ceiling fan and a closet. Other than the staircase, the home is carpet free with a combination of laminate and luxury vinyl flooring. The updated kitchen is spacious with eat-in area as well as new counters, sink, faucet, floor, lower cabinets and SS range hood. We have parking for 2 + cars in the asphalt driveway and a large fenced back yard. There is detached garage with hydro as well. When required, the home has seen the necessary mechanical updates with the heating, cooling, roof, soffits/gutters, front door, plumbing, along with blown in insulation. The home is in move in condition and would be a perfect option for that family looking to pluck their first home from the market and enjoy the residential neighbourhood, yet still close to many amenities. Please take a moment to review the marketing video, the floor plans and the 360-degree photography.
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Covers costs+$194/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 42 homes with 3 bedrooms for lease in Cambridge right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $3,145 / 2026
- MLS® number
- X13514836
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 33 x 130 ft
- Listed on
- Parking
- 1 Detached, 3 Parking
Listing history
Buy/sell history for 156 St. Andrews St, Cambridge, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $469,900 | N/A | Ext | X13514836 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Semi-Detached
- Style
- 2-Storey
- Municipality
- Cambridge
Building
- Size
- 1100-1500 sqft
- Construction
- Alum Siding
Inside
- Bedrooms
- 3
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc 2nd
- Basement Type
- Unfinished
- Kitchens
- 1
Parking
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 2
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Wall Unit
- Heating Type
- Baseboard
Land
- Sewer
- Sewers
- Frontage
- 33 ft
- Depth
- 130 ft
- Lot Size
- 33 x 130 ft
Additional
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Refrigerator, Stove, Dishwasher, SS. Range Hood, Washer, Dryer, Water Softener, Window Coverings
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 1.63 × 4.72 m | — | Main |
| Living | 3.63 × 4.93 m | — | Main |
| Dining | 3.89 × 4.17 m | — | Main |
| Kitchen | 3.89 × 4.14 m | — | Main |
| Br | 3.15 × 3.63 m | — | 2nd |
| 2nd Br | 3.45 × 4.19 m | — | 2nd |
| 3rd Br | 2.64 × 3.94 m | — | 2nd |
| Bathroom | 2.67 × 2.08 m | 4 Pc Bath | 2nd |
| Utility | 3.12 × 5.61 m | — | Bsmt |
Map and tour
Semi-detached homes for sale in Cambridge right now
- For sale now
- 21
- Median asking price
- $500K
- New in 7 days
- 5
- Price cuts
- 24%
Middle half: $469K to $619K
12 in 28 days
5 listings
This home is asking 6% below the median.
See all homes in CambridgeAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $5,873
- Total land transfer tax
- $5,873
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $1,873
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $469,900
- $1,398
- Ontario total
- $5,873
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m11 test or monitoring holes also recorded.250 m
Province of Ontario open data
Planning and building activity1
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
Province of Ontario open data
Around the home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- 3 licensed pits or quarries within 2 kmThe nearest is 1.5 km away, as mapped.2 km
- No recorded oil, gas or salt well within 250 m250 m
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Canadian General-Tower Ltd., 860 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by GrandBridge Energy Inc.At the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Gregory Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 300 m | 67%Grade 6 average |
| Highland Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 700 m | 75%Grade 6 average |
| Tait Street Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.4 km | 70%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 6 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Southwood Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1 km | 50%Grade 9 math |
| Glenview Park Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.6 km | 53%Grade 9 math |
| Monsignor Doyle Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.5 km | 46%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 9.3 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Ainslie St Terminal | GRT bus rapid transit: ION Bus | 1.1 km |
| Delta | GRT bus rapid transit: ION Bus | 2.5 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 3.8 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 4.6 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Contains information provided by the Regional Municipality of Waterloo under licence.
Lot
- Lot area
- 4,290 sq ft399 m²
- Street frontage
- 33 ft10.1 m
- Depth
- 130 ft39.6 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $93,980
- Total mortgage amount
- $375,920
- Total interest payment
- $267,280
- Total purchase cost
- $737,180
- Mortgage payment
- $2,144/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
13%Monthly carrying cost
$2,406- Carrying cost $2,406
- Surplus $194
Rental income opens at $2,600, the median asking rent of 42 comparable homes for lease in Cambridge. Type over it with the rent you expect. This is a planning tool, not advice.
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