For SaleDetached · 2 1/2 StoreyMLS® #X14011674 · TRREB MLS®
223 Water Street N St, Cambridge, Ontario
Cambridge, Ontario N1R 3B9
- Bedrooms
- 4
- Lot Size
- 33 x 165 ft
- Bathrooms
- 3
- Type
- Detached
- Basement
- Partly Finished
$499,900
Estimated market value
About 223 Water Street N St
223 Water Street N St is a 4-bedroom, 3-bathroom detached house in Cambridge, listed for sale at an asking price of $499,900 (MLS® X14011674).
Charming, inviting nicely upgraded home. Enjoy the total of 5 bedrooms, (none in the basement). 3 Bathrooms, 2 Kitchens, mostly freshly painted, original wood work, high ceiling's character, unique loft, 3 car parking. It has a huge backyard which offers plenty of space to relax, play, or even explore the possibility of a future gardens... This location you can take advance of what all the Down town has to offer, river walks, trail walks, restaurants, coffee shops, shopping, schools, hospital, running track, and a bus stop across from the front door. This location truly has it all. You can move right in. Incredible opportunity.
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Strong+$404/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
- $3,782 / 2025
- MLS® number
- X14011674
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 33 x 165 ft
- Listed on
- Parking
- None, 3 Parking
Listing history
Buy/sell history for 223 Water Street N 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 | $499,900 | N/A | For Sale | X14011674 |
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 1/2 Storey
- Municipality
- Cambridge
Building
- Size
- 1500-2000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 4
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc 2nd, 1 × 3pc Bsmt
- Basement Type
- Partly Finished
- Kitchens
- 2
Parking
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 33 ft
- Depth
- 165 ft
- Lot Size
- 33 x 165 ft
Additional
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.81 × 3.76 m | Carpet Free | Main |
| Kitchen | 3.42 × 4.72 m | — | Main |
| Bathroom | 1.83 × 1.83 m | 4 Pc Bath | Main |
| Primary | 3.28 × 3.35 m | — | Main |
| 2nd Br | 1.83 × 2.63 m | — | Main |
| Kitchen | 2.18 × 2.29 m | — | 2nd |
| Living | 3.42 × 3.66 m | — | 2nd |
| Br | 3.46 × 3.84 m | — | 2nd |
| Loft | 9.14 × 4.11 m | — | 3rd |
| Bathroom | 1.52 × 1.98 m | — | 2nd |
| Bathroom | 1.37 × 2.29 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 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
- $6,473
- Total land transfer tax
- $6,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $2,473
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 $499,900
- $1,998
- Ontario total
- $6,473
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 conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m5 test or monitoring holes also recorded.250 m
- Bedrock about 14.6 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: 200 m200 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 MacDonald Steel Ltd., 1.5 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 60 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (60 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.60 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 |
|---|---|---|---|
| Manchester Public SchoolWaterloo Region DSB | Public · grades JK–6 | 300 m | 74%Grade 6 average |
| Blair Road Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1 km | 70%Grade 6 average |
| St Peter Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 · French Immersion | 1 km | 70%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 4.3 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 | 150 m | 68%Grade 9 math |
| Southwood Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 2.7 km | 50%Grade 9 math |
| St Benedict Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 · French Immersion | 2.8 km | 52%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 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 |
|---|---|---|
| Delta | GRT bus rapid transit: ION Bus | 500 m |
| Ainslie St Terminal | GRT bus rapid transit: ION Bus | 1.4 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 1.8 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 2.6 km |
| Pinebush | GRT bus rapid transit: ION Bus | 4.2 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
- 5,445 sq ft506 m²
- Street frontage
- 33 ft10.1 m
- Depth
- 165 ft50.3 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
- $99,980
- Total mortgage amount
- $399,920
- Total interest payment
- $284,380
- Total purchase cost
- $784,280
- Mortgage payment
- $2,281/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
6%Monthly carrying cost
$2,596- Carrying cost $2,596
- Surplus $404
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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