Property Type: Detached HouseOwnership: Freehold

156 ST ANDREWS Street

Cambridge, BC N1S1N3

$479,900

3 bed1 bath3 parking1,369 sqftBuilt 1900
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.1 acres
Frontage
34 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,145

Interior

Basement
Unfinished, Partial
Heating
Baseboard heaters
Cooling / A/C
Wall unit
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer, Hood Fan, Window Coverings

Exterior & Lot

Exterior features
Aluminum siding
Lot features
Paved driveway
Fencing
Fence

Building

Foundation
Stone
Water source
Municipal water
Sewer
Municipal sewage system
Security
Smoke Detectors

Parking

Total spaces
3 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement10'3'' x 18'5''
BedroomSecond level8'8'' x 12'11''
BedroomSecond level11'4'' x 13'9''
Primary BedroomSecond level10'4'' x 11'11''
4pc BathroomSecond level
KitchenMain level12'9'' x 13'7''
Living roomMain level11'11'' x 16'2''
Dining roomMain level12'9'' x 13'8''
FoyerMain level5'4'' x 15'6''

Listing Information

MLS®
40844374
Listed
July 2, 2026
Time on market
On the market for 75 days
Data last synced
September 15, 2026

Listing provided by: BOSLEY REAL ESTATE LTD., BROKERAGE · Data source: CREA DDF.

Description

Are you still looking for an affordable listing to get into the market? Then set your sights on 156 St. Andrews Street in the West Galt portion of Cambridge. This semi-detached freehold home is conveniently located close to schools, shopping, transit, parks, trails and is just a few minutes away from the action at the Gas Light District in downtown Galt. The home is almost 1,400 sq feet and has 3 upper level bedrooms and 1 full bathroom. Each bedroom has a ceiling fan and a closet. Other than the staircase, the home is carpet free with a combination of laminate and luxury vinyl flooring. The updated kitchen is spacious with eat-in area as well as new counters, sink, faucet, floor, lower cabinets and SS range hood. We have parking for 2 + cars in the asphalt driveway and a large fenced back yard. There is detached garage with hydro as well. When required the home has seen the necessary mechanical updates with the heating, cooling, roof, soffits/gutters, front door, plumbing, along with blown in insulation. The home is in move in condition and would be a perfect option for that family looking to pluck their first home from the market and enjoy the residential neighbourhood, yet still close to many amenities. Please take a moment to review the marketing video, the floor plans and the 360 degree photography. (id:63159)

Values & Trends

This listing

$351/sqft

Building average

No other active listings in this building

11 - St Gregory's/Tait average

$467/sqft

12 active listing(s)

Parking: 3 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

20°C

Humidity 58%

Wind S 10 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Population

139,163

(2021 Census)

+6.6% since 2016

Density: 615.3/km²

Dwellings: 53,491

Source: Statistics Canada, 2021 Census of Population.

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: 5.0% ($23,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$383,920.00
Periodic payment — Principal & Interest (monthly)$2,476.92
Additional monthly expenses (strata, tax, utilities, etc.)$330.08
Total monthly cost$2,807.00
Interest paid over 5-yr term$110,032.58
Balance at end of term$345,337.28

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$23,995
Stress test qualifying rate8.09%
Payment you must qualify for$3,505.75

Cash Needed at Closing

Minimum down payment$23,995
Estimated BC PTT$7,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$33,093

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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