Property Type: Detached HouseOwnership: Freehold

15 GILHOLM Avenue

Cambridge, BC N1S1T3

$824,900

3 bed2.5 bath5 parking1,746 sqftBuilt 1900
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
60 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,551.66

Interior

Basement
Unfinished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Brick
Lot features
Paved driveway

Building

Foundation
Stone
Water source
Municipal water, Unknown
Sewer
Municipal sewage system

Parking

Total spaces
5 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Primary BedroomSecond level12'3'' x 12'6''
BedroomSecond level12'3'' x 11'5''
BedroomSecond level8'0'' x 5'3''
2pc BathroomSecond level8'0'' x 5'3''
Living roomMain level11'3'' x 12'2''
KitchenMain level13'5'' x 12'8''
Family roomMain level12'3'' x 12'7''
Dining roomMain level12'3'' x 13'3''
4pc BathroomMain level4'11'' x 9'3''

Listing Information

MLS®
40857959
Listed
September 2, 2026
Time on market
On the market for 12 days
Data last synced
September 15, 2026

Listing provided by: SHAW REALTY GROUP INC. · Data source: CREA DDF.

Description

Welcome to 15 Gilholm Avenue, a beautifully maintained and thoughtfully updated century home in desirable West Galt. Filled with timeless character, its striking facade blends elements of Classical Revival and Italian Renaissance design, highlighted by well preserved gingerbread detailing and an elegant cornice entablature. Inside, you’ll find hardwood flooring, soaring nine foot ceilings, French doors, a formal dining room, a separate living room, a spacious kitchen and an updated main floor bathroom. Three bedrooms upstairs and the potential for a fourth on the main floor. Pride of ownership is evident throughout, with major improvements including replacement windows in 2010, a new furnace and central air conditioning in 2021, and a new water service line in 2026. The home also features an exceptionally dry basement a notable benefit for a century property. A detached double car garage provides excellent parking, storage and workshop space. Located in an established, tree lined neighbourhood near downtown Galt, the Grand River, scenic trails, parks, schools, shopping, restaurants and the Gaslight District. Enjoy convenient access to public transit and major commuter routes while living in one of Cambridge’s most character filled communities. (id:63159)

Values & Trends

This listing

$472/sqft

Building average

No other active listings in this building

10 - Victoria average

$380/sqft

6 active listing(s)

Parking: 5 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Nearest station: Guelph

15°C

Humidity 78%

Wind SSE 9 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 7.0% ($57,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$659,920.00
Periodic payment — Principal & Interest (monthly)$4,257.58
Additional monthly expenses (strata, tax, utilities, etc.)$466.31
Total monthly cost$4,723.88
Interest paid over 5-yr term$189,134.97
Balance at end of term$593,600.17

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$57,490
Stress test qualifying rate8.09%
Payment you must qualify for$5,901.11

Cash Needed at Closing

Minimum down payment$57,490
Estimated BC PTT$14,498
Legal / closing costs (typical estimate)$1,500
Total cash needed$73,488

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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