For SaleCondo Townhouse · 2-StoreyMLS® #X13810620 · TRREB MLS®
103-85 Spruce St, Cambridge, Ontario
Cambridge, Ontario N1R 4K4
- Bedrooms
- 2
- Bathrooms
- 2
- Type
- Condo Townhouse
- Basement
- None
$599,900
Estimated market value
About 103-85 Spruce St
103-85 Spruce St is a 2-bedroom, 2-bathroom condo townhouse in Cambridge, listed for sale at an asking price of $599,900 (MLS® X13810620).
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
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall−$1,742/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 9 condos with 2 bedrooms for lease in Cambridge right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $4,642 / 2026
- MLS® number
- X13810620
- Board
- TRREB MLS®
- Property Type
- Condo Townhouse
- Building Age
- 16-30
- Days on market
- Size
- 1600-1799 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Listing history
Buy/sell history for 103-85 Spruce 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 | $599,900 | N/A | For Sale | X13810620 |
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
- Condo Townhouse
- Style
- 2-Storey
- Municipality
- Cambridge
Building
- Size
- 1600-1799 sqft
- Building Age
- 16-30
- Construction
- Brick
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc 2nd, 1 × 3pc Main
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Central Air
- Heating Type
- Forced Air
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- Dishwasher, Dryer, Refrigerator, Stove, Washer
- Condo maint.
- $818
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Bathroom | 1.47 × 3.63 m | 3 Pc Bath | Main |
| Kitchen | 2.51 × 5.56 m | — | Main |
| Dining | 5.13 × 5.56 m | — | Main |
| Living | 4.67 × 5.56 m | — | Main |
| Bathroom | 2.51 × 2.36 m | 4 Pc Bath | 2nd |
| 2nd Br | 2.77 × 5.556 m | — | 2nd |
| Primary | 4.27 × 4.9 m | — | 2nd |
Map and tour
Condos for sale in Cambridge right now
- For sale now
- 31
- Median asking price
- $520K
- New in 7 days
- 3
- Price cuts
- 13%
Middle half: $450K to $612K
14 in 28 days
4 listings
This home is asking 15% above 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
- $8,473
- Total land transfer tax
- $8,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $4,473
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 $599,900
- $3,998
- Ontario total
- $8,473
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 m10 test or monitoring holes also recorded.250 m
- Groundwater recorded about 8.5 m below ground nearbyThe middle water level in the well records within 500 m (38 records). It changes with the season and from spot to spot.500 m
- Bedrock about 19.5 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: 860 m860 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
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Rockwell Automation — Dundas Facility, 910 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 a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 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, 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 | 500 m | 69%Grade 6 average |
| St Anne Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 750 m | 50%Grade 6 average |
| Manchester Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1.2 km | 74%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 5.5 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 | 1.3 km | 68%Grade 9 math |
| Glenview Park Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.7 km | 53%Grade 9 math |
| Monsignor Doyle Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.4 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 | 750 m |
| Delta | GRT bus rapid transit: ION Bus | 1.7 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 3 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 3.8 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.
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
- $119,980
- Total mortgage amount
- $479,920
- Total interest payment
- $341,180
- Total purchase cost
- $941,080
- Mortgage payment
- $2,737/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
71%Monthly carrying cost
$3,942- Rent $2,200
- Shortfall $1,742
Rental income opens at $2,200, the median asking rent of 9 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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