For SaleDetached · 2-StoreyMLS® #X14131482 · TRREB MLS®
731 Elgin St, Cambridge, Ontario
Cambridge, Ontario N1R 7W5
- Bedrooms
- 3
- Lot Size
- 45.58 x 109.91 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Finished
$680,000
Estimated market value
About 731 Elgin St
731 Elgin St is a 3-bedroom, 2-bathroom detached house in Cambridge, listed for sale at an asking price of $680,000 (MLS® X14131482).
Welcome to 731 ELGIN St. A beautiful Renovated, detached property ready for you to call home. Located in the popular North Galt neighborhood of Cambridge, this three bedroom, two bathroom home offers you the Perfect finished living space between the main floor and a fully finished basement. The main level features a bright living and dining area, a modern kitchen with lovely (soft) cabinetry, quartz countertop and tile backsplash, complimented by the upper floor with three bedrooms, a full washroom, and lovely greenery views. Downstairs, the fully finished basement adds a spacious family room to be used as a home gym, a cozy reading nook, or for extended family living. A second full bathroom complements it along with a laundry area with plenty of storage. Additional comforts include central air conditioning, and a water softener for added health and peace of mind. Outside, the double French-doors open to a lovely deck either for a cool morning coffee, watching the sunset or for BBQ parties, perfect for relaxing or entertaining through the warmer months. With no house at the back, you get a serene view of the green space and added privacy. The attached garage and private double wide driveway provide parking for up to four vehicles. Located within the Waterloo Catholic District School Board and next door to Waterloo Region District School Board areas, with easy access to public transit, a dog park, a hospital, and a recreation centre nearby, this home is a wonderful opportunity in one of Cambridge's family friendly communities.
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall−$934/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 13 detached 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
- $3,972 / 2025
- MLS® number
- X14131482
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 45.58 x 109.91 ft
- Listed on
- Parking
- 1 Attached, 4 Parking
Listing history
Buy/sell history for 731 Elgin 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 | $680,000 | N/A | For Sale | X14131482 |
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
- 1100-1500 sqft
- Construction
- Alum Siding
Inside
- Bedrooms
- 3
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Upper, 1 × 3pc Bsmt
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Attached
- Garage
- 1
- Additional Parking
- 3
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 45.58 ft
- Depth
- 109.91 ft
- Lot Size
- 45.58 x 109.91 ft
Additional
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Stainless Fridge, S/S Stove, S/s Dishwasher, S/s Microwave, All ELFs, window coverings, Garage Door Opener, Water softener.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.51 × 5.74 m | Laminate, French Doors, Pot Lights | Main |
| Dining | 2.24 × 4.55 m | Laminate | Main |
| Kitchen | 2.74 × 3.73 m | Porcelain Floor, Stainless Steel Appl, Quartz Counter | Main |
| Primary | 3.35 × 4.19 m | Laminate, Window, Pot Lights | 2nd |
| 2nd Br | 3.32 × 3.3 m | Laminate, Window, Pot Lights | 2nd |
| 3rd Br | 3.39 × 3.0 m | Laminate, Window, Pot Lights | 2nd |
| Rec | 2.08 × 3.66 m | Laminate | Bsmt |
| Rec | 4.24 × 3.53 m | Laminate | Bsmt |
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 13% 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
- $10,075
- Total land transfer tax
- $10,075
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $6,075
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 $680,000
- $5,600
- Ontario total
- $10,075
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 m1 test or monitoring hole also recorded.250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 8.7 km8.7 km
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
- 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 MacDonald Steel Ltd., 1.2 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 a household 50 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (50 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.50 m
- 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, Waterloo Wireless, 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 |
|---|---|---|---|
| Elgin Street Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 150 m | 71%Grade 6 average |
| Christ The King Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 450 m | 58%Grade 6 average |
| Avenue Road Public SchoolWaterloo Region DSB | Public · grades JK–8 | 750 m | 65%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 2.9 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Benedict Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 · French Immersion | 1.2 km | 52%Grade 9 math |
| Galt Collegiate and Vocational InstituteWaterloo Region DSB | Public · grades 9–12 · French Immersion | 2 km | 68%Grade 9 math |
| Jacob Hespeler Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 3.5 km | 61%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 7 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 |
|---|---|---|
| Can-Amera | GRT bus rapid transit: ION Bus | 650 m |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 1.1 km |
| Delta | GRT bus rapid transit: ION Bus | 1.4 km |
| Pinebush | GRT bus rapid transit: ION Bus | 2.6 km |
| Ainslie St Terminal | GRT bus rapid transit: ION Bus | 3.2 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
- 5,010 sq ft465 m²
- Street frontage
- 45.58 ft13.9 m
- Depth
- 109.91 ft33.5 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
- $136,000
- Total mortgage amount
- $544,000
- Total interest payment
- $386,900
- Total purchase cost
- $1,066,900
- Mortgage payment
- $3,103/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
44%Monthly carrying cost
$3,434- Rent $2,500
- Shortfall $934
Rental income opens at $2,500, the median asking rent of 13 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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