Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

207 WATERLOO Street N

Cambridge, BC N3H1N1

$560,000

4 bed2.5 bath2 parking1,676 sqftBuilt 1907
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2.5
Frontage
109 feet

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,257

Interior

Basement
Unfinished, Full
Heating
Hot water radiator heat, Natural gas
Cooling / A/C
Window air conditioner
Fireplace
Yes (1)
Fireplace type
Electric, Other - See remarks
Appliances
Water softener

Exterior & Lot

Exterior features
Brick
Lot features
Paved driveway
Fencing
Fence

Building

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

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
Living roomThird level16'7'' x 14'1''
BedroomThird level16'1'' x 11'7''
Primary BedroomSecond level14'0'' x 12'0''
BedroomSecond level10'8'' x 13'5''
BedroomSecond level8'9'' x 11'3''
4pc BathroomSecond level4'11'' x 8'4''
Living room/Dining roomMain level13'4'' x 25'4''
2pc BathroomMain level3'11'' x 3'4''
KitchenMain level14'0'' x 11'2''

Listing Information

MLS®
40862003
Listed
September 10, 2026
Time on market
On the market for 5 days
Data last synced
September 15, 2026

Listing provided by: Real Broker Ontario Ltd. · Data source: CREA DDF.

Description

SEMI DETACHED Built in 1907, this thoughtfully preserved century home offers the charm, craftsmanship, and warmth that only historic homes can provide, paired with updates that make everyday living comfortable and effortless.From the moment you step inside, the character is unmistakable. Nine-foot ceilings, original architectural details, and sun-filled rooms create an atmosphere that feels both elegant and welcoming. Custom built-ins frame the living and dining spaces, offering beautiful storage for books, glassware, and collected pieces that make a home truly personal.The second floor offers three bright bedrooms and a full bath, each space reflecting the quiet charm of a home that has stood for more than a century.Above it all sits one of the most enchanting spaces in the home the finished attic retreat. With vaulted ceilings, dormer windows, and wide plank floors, it feels like something out of a storybook. Whether imagined as a private primary suite, creative studio, or peaceful reading loft overlooking the rooftops of Preston, it is a space that invites both comfort and imagination.Outside, the fully fenced backyard feels like a private garden, surrounded by mature greenery and offering a quiet place to relax or entertain. A gated driveway provides parking for two vehicles a welcome convenience for homes of this era.Located in the heart of historic Preston, this beautifully maintained century semi-detached home offers a lifestyle that is increasingly hard to find. From here you can stroll to local cafes, restaurants, and shops, explore the nearby Grand River trails, and still reach the 401 in just minutes for an easy commute.Century homes are never identical. Each one carries its own story, craftsmanship, and personality.This one offers the rare opportunity to enjoy historic character, timeless charm, and modern comfort in one of Cambridge's most beloved neighbourhoods.A home like this isn't simply purchased. It's chosen. (id:63159)

Values & Trends

This listing

$334/sqft

Building average

No other active listings in this building

52 - Preston North average

$389/sqft

17 active listing(s)

Parking: 2 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: 5.5% ($31,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$448,000.00
Periodic payment — Principal & Interest (monthly)$2,890.34
Additional monthly expenses (strata, tax, utilities, etc.)$355.42
Total monthly cost$3,245.76
Interest paid over 5-yr term$128,398.09
Balance at end of term$402,977.45

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$31,000
Stress test qualifying rate8.09%
Payment you must qualify for$4,067.82

Cash Needed at Closing

Minimum down payment$31,000
Estimated BC PTT$9,200
Legal / closing costs (typical estimate)$1,500
Total cash needed$41,700

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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