For SaleDetached · BungaloftMLS® #X14124582 · TRREB MLS®
28 Cambridge St, Cambridge, Ontario
Cambridge, Ontario N1R 3R7
- Bedrooms
- 2
- Lot Size
- 52.08 x 79.26 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Unfinished
$499,000
Estimated market value
About 28 Cambridge St
28 Cambridge St is a 2-bedroom, 2-bathroom detached house in Cambridge, listed for sale at an asking price of $499,000 (MLS® X14124582).
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.
Insights
Condition Score
Good2 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall−$895/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 7 detached homes with 2 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
- $3,218 / 2025
- MLS® number
- X14124582
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 100+
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 52.08 x 79.26 ft
- Listed on
- Parking
- None, 3 Parking
Listing history
Buy/sell history for 28 Cambridge 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 | $499,000 | N/A | For Sale | X14124582 |
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
- Detached
- Style
- Bungaloft
- Municipality
- Cambridge
Building
- Size
- 1100-1500 sqft
- Building Age
- 100+
- Construction
- Concrete Poured
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 2 × 2pc Main, 3pc Main
- Basement Type
- Unfinished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 52.08 ft
- Depth
- 79.26 ft
- Lot Size
- 52.08 x 79.26 ft
Additional
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Dishwasher, Dryer, Range Hood, Refrigerator, Stove, Washer
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 4.78 × 4.91 m | hardwood floor, Open Concept | Main |
| Dining | 3.96 × 3.93 m | hardwood floor, Open Concept | Main |
| Kitchen | 3.87 × 5.6 m | carpet free, hardwood floor, Open Concept | Main |
| Bathroom | 1.76 × 0.91 m | 2 Pc Bath | Main |
| Primary | 4.78 × 4.91 m | Hardwood Floor | Main |
| Br | 2.98 × 3.01 m | Hardwood Floor | Main |
| Bathroom | 3.04 × 0.94 m | 3 Pc Bath | Main |
| Loft | 3.93 × 7.89 m | Open Concept | 2nd |
Map and tour
Detached homes for sale in Cambridge right now
- For sale now
- 218
- Median asking price
- $777K
- New in 7 days
- 25
- Price cuts
- 26%
Middle half: $652K to $928K
106 in 28 days
57 listings
This home is asking 36% below the median, lower than three quarters of them.
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
- $6,455
- Total land transfer tax
- $6,455
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $2,455
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 $499,000
- $1,980
- Ontario total
- $6,455
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 conservation4
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m22 test or monitoring holes also recorded.250 m
- Groundwater recorded about 8.2 m below ground nearbyThe middle water level in the well records within 500 m (90 records). It changes with the season and from spot to spot.500 m
- Bedrock about 2.7 m down nearbyThe middle depth to bedrock in the well records within 500 m.500 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 home2
- Nearest rail line: 730 m730 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Rockwell Automation — Dundas Facility, 1.4 km away. Only facilities above the inventory’s reporting thresholds are listed.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 |
|---|---|---|---|
| Central Public SchoolWaterloo Region DSB | Public · grades JK–6 | 600 m | 69%Grade 6 average |
| Manchester Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1 km | 74%Grade 6 average |
| St Anne Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 1.2 km | 50%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 5.2 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Galt Collegiate and Vocational InstituteWaterloo Region DSB | Public · grades 9–12 · French Immersion | 900 m | 68%Grade 9 math |
| Glenview Park Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.8 km | 53%Grade 9 math |
| Monsignor Doyle Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.6 km | 46%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 8.9 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 | 500 m |
| Delta | GRT bus rapid transit: ION Bus | 1.4 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 2.7 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 3.5 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
- 4,128 sq ft384 m²
- Street frontage
- 52.08 ft15.9 m
- Depth
- 79.26 ft24.2 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, measured by GeoWarehouse.
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
- $99,800
- Total mortgage amount
- $399,200
- Total interest payment
- $283,900
- Total purchase cost
- $782,900
- Mortgage payment
- $2,277/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
51%Monthly carrying cost
$2,545- Rent $1,650
- Shortfall $895
Rental income opens at $1,650, the median asking rent of 7 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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