For SaleDetached · 2-StoreyMLS® #X14143224 · TRREB MLS®
35 Francis St, Cambridge, Ontario
Cambridge, Ontario N1S 1Z6
- Bedrooms
- 4
- Lot Size
- 45.59 x 155.92 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Full
$664,900
Estimated market value
About 35 Francis St
35 Francis St is a 4-bedroom, 2-bathroom detached house in Cambridge, listed for sale at an asking price of $664,900 (MLS® X14143224).
Visit REALTOR website for additional information.Welcome to 35 Francis Street in the highly desirable West Galt area. This spacious red brick home has seen extensive updates and offers plenty of room for comfortable family living.The home features four bedrooms, two full bathrooms, and a finished basement. The main level includes an updated kitchen that opens to the living room, creating a bright and welcoming space. Down the hall you' 11 find a formal dining area, an updated three-piece bathroom, a cozy family room, and a walk-out to a large covered deck perfect for relaxing or entertaining. Upstairs offers four bedrooms and a refreshed four-piece bathroom.Outside, the large concrete driveway provides ample parking, while the fully fenced yard offers privacy with mature trees and no rear neighbours, as the property backs onto the Hancock Park & Pool area. The location is ideal-just steps from schools and a short walk to historic downtown Galt for dining, shopping, and scenic riverfront walks.The rear of the property is accessed through deeded access to the laneway west of the home.Recent upgrades include new attic insulation, vinyl windows, and a high-efficiency water softener (2020); a Navien high-efficiency condensing combi-boiler, Bosch dishwasher, mini-split heat pump system, and backyard firepit (2021); kitchen and main floor bathroom renovations (2022); electric fireplace (2023); foundation crack repairs (2024); major main floor updates, tree trimming, reverse osmosis system, and new 35-year roof (2025); plus refreshed upstairs office, bathrooms, and basement in 2026
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even−$388/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 8 detached homes with 4 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
- $4,246 / 2026
- MLS® number
- X14143224
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 51-99
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 45.59 x 155.92 ft
- Listed on
- Parking
- None, 4 Parking
Listing history
Buy/sell history for 35 Francis 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 | $664,900 | N/A | For Sale | X14143224 |
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
- 2-Storey
- Municipality
- Cambridge
Building
- Size
- 1500-2000 sqft
- Building Age
- 51-99
- Construction
- Brick
Inside
- Bedrooms
- 4
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc 2nd, 1 × 3pc Main
- Basement Type
- Full
- Kitchens
- 1
Parking
- Driveway
- Available, Pvt Double
- Garage Type
- None
- Additional Parking
- 4
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Other
- Heating Type
- Radiant
Land
- Sewer
- Sewers
- Frontage
- 45.59 ft
- Depth
- 155.92 ft
- Lot Size
- 45.59 x 155.92 ft
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Ceiling fans. Clothes dryer. Dishwasher. Clothes washer. Microwave. Refrigerator. Range, Freezer in Basement
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 4.07 × 3.08 m | — | Main |
| Dining | 3.15 × 3.76 m | — | Main |
| Family | 2.45 × 3.28 m | — | Main |
| Kitchen | 3.2 × 2.37 m | — | Main |
| Primary | 3.09 × 6.44 m | — | 2nd |
| Br | 3.2 × 2.37 m | — | 2nd |
| Br | 3.11 × 2.84 m | — | 2nd |
| Br | 3.23 × 3.19 m | — | 2nd |
| Rec | 5.23 × 4.06 m | — | Bsmt |
Map and tour
Detached homes for sale in Cambridge right now
- For sale now
- 219
- Median asking price
- $780K
- New in 7 days
- 25
- Price cuts
- 26%
Middle half: $655K to $927K
106 in 28 days
57 listings
This home is asking 15% 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
- $9,773
- Total land transfer tax
- $9,773
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $5,773
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 $664,900
- $5,298
- Ontario total
- $9,773
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
- 5 water-supply wells recorded within 250 m11 test or monitoring holes also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 7 m.250 m
- Groundwater recorded about 5.1 m below ground nearbyThe middle water level in the well records within 500 m (72 records). It changes with the season and from spot to spot.500 m
- Bedrock about 3.4 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 home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- 2 licensed pits or quarries within 2 kmThe nearest is 1.7 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., 390 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 | 550 m | 67%Grade 6 average |
| Tait Street Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.1 km | 70%Grade 6 average |
| Highland Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 1.1 km | 75%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 6.4 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Glenview Park Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.2 km | 53%Grade 9 math |
| Southwood Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.3 km | 50%Grade 9 math |
| Monsignor Doyle Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.1 km | 46%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 9.8 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 | 1.2 km |
| Delta | GRT bus rapid transit: ION Bus | 2.9 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 4.1 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 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
- Street frontage
- 45.59 ft13.9 m
- Depth
- 155.92 ft47.5 m
- Lot size
- Under 0.50 acresAs the board bands it
The record marks this lot irregular, so its area is not the frontage multiplied by the depth. It is not given here. 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
- $132,980
- Total mortgage amount
- $531,920
- Total interest payment
- $378,280
- Total purchase cost
- $1,043,180
- Mortgage payment
- $3,034/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
30%Monthly carrying cost
$3,388- Rent $3,000
- Shortfall $388
Rental income opens at $3,000, the median asking rent of 8 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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