For SaleDetached · 1 1/2 StoreyMLS® #X13762112 · TRREB MLS®
99 Cedar St, Cambridge, Ontario
Cambridge, Ontario N1S 1V7
- Bedrooms
- 3
- Lot Size
- 41 x 110.8 ft
- Bathrooms
- 1
- Type
- Detached
- Basement
- Full
$475,000
Estimated market value
About 99 Cedar St
99 Cedar St is a 3-bedroom, 1-bathroom detached house in Cambridge, listed for sale at an asking price of $475,000 (MLS® X13762112).
Welcome to 99 Cedar Street in Cambridge! This charming one-and-a-half-storey home in West Galt is perfect for first-time homebuyers or investors. It is ideally located near a variety of amenities and just a short walk to Victoria Park, the Grand River, the Gas Light District, and the vibrant downtown area. The home features a traditional layout with separate living & dining rooms, a bright eat-in kitchen with stainless steel appliances (including a gas range), and deck access. The upper level offers three bedrooms and a three-piece bathroom with a stand-alone tub. The unfinished basement provides plenty of extra space, including a laundry room, utility room, and a cold/storage room. Outside, relax on the covered front porch or enjoy the large raised deck overlooking the spacious, fully fenced yard with mature trees, perfect for entertaining and outdoor activities.
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Covers costs+$64/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
- $3,221 / 2026
- MLS® number
- X13762112
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 100+
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 41 x 110.8 ft
- Listed on
- Parking
- None, 3 Parking
Listing history
Buy/sell history for 99 Cedar 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 | $475,000 | N/A | Pc | X13762112 |
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
- 1 1/2 Storey
- Municipality
- Cambridge
Building
- Size
- 700-1100 sqft
- Building Age
- 100+
- Construction
- Stucco/Plaster
Inside
- Bedrooms
- 3
- Bathrooms
- 1
- Bathroom Details
- 1 × 3pc 2nd
- Basement Type
- Full
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 41 ft
- Depth
- 110.8 ft
- Lot Size
- 41 x 110.8 ft
Additional
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Dryer, Gas Stove, Refrigerator, Washer, Window Coverings
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.34 × 3.66 m | — | Main |
| Dining | 3.34 × 3.99 m | — | Main |
| Kitchen | 3.32 × 4.05 m | — | Main |
| Bathroom | 1.77 × 1.91 m | 3 Pc Bath | 2nd |
| Primary | 3.61 × 2.72 m | — | 2nd |
| 2nd Br | 3.66 × 2.44 m | — | 2nd |
| 3rd Br | 3.59 × 2.45 m | — | 2nd |
| Laundry | 3.23 × 3.98 m | — | Bsmt |
| Other | 3.68 × 7.64 m | — | Bsmt |
| Other | 2.97 × 1.65 m | — | Bsmt |
| Other | 1.26 × 0.83 m | — | 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 39% 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
- $5,975
- Total land transfer tax
- $5,975
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $1,975
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 $475,000
- $1,500
- Ontario total
- $5,975
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 m10 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., 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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 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 | 650 m | 75%Grade 6 average |
| Central Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1.4 km | 69%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 5.9 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 | 3.7 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 4.5 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
- 41 ft12.5 m
- Depth
- 110.8 ft33.8 m
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 MPAC.
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
- $95,000
- Total mortgage amount
- $380,000
- Total interest payment
- $270,400
- Total purchase cost
- $745,400
- Mortgage payment
- $2,168/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
18%Monthly carrying cost
$2,436- Carrying cost $2,436
- Surplus $64
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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