Property Type: Detached HouseOwnership: Freehold

19 CEDAR Street

Cambridge, BC N1S1T8

$529,900

2 bed1 bath1 parking1,042 sqftBuilt 1898
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Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
1
Frontage
29 feet

(F)RS1RM4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,052.21

Interior

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

Exterior & Lot

Exterior features
Brick
View
City view
Lot features
Southern exposure

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
1

Room Dimensions

RoomLevelDimensions
Recreation roomBasement12'6'' x 10'0''
Recreation roomBasement19'11'' x 23'5''
StorageMain level6'11'' x 4'6''
4pc BathroomMain level
BedroomMain level12'3'' x 7'9''
Primary BedroomMain level10'9'' x 10'11''
KitchenMain level8'8'' x 9'8''
Living roomMain level11'2'' x 12'8''

Listing Information

MLS®
40840691
Listed
June 17, 2026
Time on market
On the market for 90 days
Data last synced
September 15, 2026

Listing provided by: Chestnut Park Realty Southwestern Ontario Limited · Data source: CREA DDF.

Description

Perched in the heart of Old Galt's historic Gaslight District and an easy stroll from the diverse amenities of downtown is this uniquely chic semi-detached bungalow. With the original home dating from the 19th century, here's your opportunity to settle into your own piece of Waterloo Region history - all in a beautifully updated two-bedroom package with more than a few modern tricks up its sleeve! 19 Cedar Street has been custom-fit just this past year with state-of-the-art smart home systems (including an indoor/outdoor voice controlled sound system designed with the audiophile in mind, a Blink doorbell system, smart locks, and more), while boasting stylish finishes that wouldn't look out of place in the newest of luxury condos. Why pay condo fees, when an urban lifestyle has never looked better right here? From sleek quartz counters and abundant custom cabinetry in the kitchen to a trendy hex tile backsplash, and from soaring 10-foot ceilings throughout the main floor to the gracefully finished main four-piece bathroom with convenient stacked laundry inside, the appeal instantly generated by this home is evident wherever you look. Plus, way more space than your average balcony could be all yours with the fully fenced rear yard, complete with deck and storage shed - a great venue for entertaining friends and family with summer now around the corner. More versatility is on hand in the dry and cozy basement, currently fitted out as a barber's studio with additional entertaining space set up to the side. Private parking can be found at the side with direct gate access to the back yard, with loads more free weekend public parking available just across the street. This distinctive home won't be available for long - schedule a viewing today to see it for yourself! (id:63159)

Values & Trends

This listing

$509/sqft

Building average

No other active listings in this building

11 - St Gregory's/Tait average

$453/sqft

12 active listing(s)

Parking: 1 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: 5.3% ($27,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$423,920.00
Periodic payment — Principal & Interest (monthly)$2,734.99
Additional monthly expenses (strata, tax, utilities, etc.)$306.35
Total monthly cost$3,041.34
Interest paid over 5-yr term$121,496.69
Balance at end of term$381,317.41

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$27,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,859.51

Cash Needed at Closing

Minimum down payment$27,990
Estimated BC PTT$8,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,088

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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