Property Type: Detached HouseOwnership: Freehold

21 CEDAR Street

Cambridge, BC N1S1T8

$549,900

2 bed2 bath5 parking715 sqft
Get Directions

Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
1
Frontage
41 feet

FRS1RM4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,357.04

Interior

Basement
Partially finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Water softener, Dishwasher, Stove, Dryer, Garage door opener, Microwave Built-in

Exterior & Lot

Exterior features
Brick
Lot features
Paved driveway, Sump Pump, Automatic Garage Door Opener

Building

Foundation
Block
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
5 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement20'6'' x 23'9''
3pc Ensuite bathMain level
4pc BathroomMain level
DenBasement10'5'' x 9'0''
BedroomMain level12'8'' x 8'1''
Primary BedroomMain level11'4'' x 10'8''
Living room/Dining roomMain level10'8'' x 12'9''
KitchenMain level9'1'' x 16'6''

Listing Information

MLS®
40858421
Listed
August 26, 2026
Time on market
On the market for 19 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX Escarpment Realty Inc. · Data source: CREA DDF.

Description

Welcome to 21 Cedar Street, a beautifully renovated semi-detached bungalow offering the perfect blend of modern updates, functionality, and walkable urban living. Extensively renovated in 2018 with updated electrical and plumbing, this move-in ready home features hardwood flooring throughout, soaring 10-foot ceilings, and a thoughtfully designed layout ideal for first-time buyers, downsizers, or investors. The bright open-concept living space flows seamlessly into the stunning kitchen, complete with butcher block countertops, stainless steel appliances, an oversized centre island, and exceptional cabinet and drawer storage. The main floor offers two spacious bedrooms, including a primary retreat with a private 3-piece ensuite. The partially finished basement provides additional storage space along with a versatile finished room perfect for a home office, hobby room, or potential third bedroom. Situated on a fully fenced lot, the private backyard is complemented by an oversized detached two-car garage with hydro, making it ideal as a workshop, hobby space, or additional storage. Parking for up to five vehicles between the garage and driveway adds exceptional convenience rarely found in this price range. Enjoy an unbeatable location less than a 5-minute walk to the Grand River, scenic walking trails, and Cambridge's vibrant Gaslight District, offering restaurants, entertainment, events, and waterfront amenities right at your doorstep. With updated windows (2017), extensive renovations, and an exceptional combination of charm, convenience, and versatility, this turnkey property is ready to welcome its next owner. (id:63159)

Values & Trends

This listing

$769/sqft

Building average

No other active listings in this building

11 - St Gregory's/Tait average

$429/sqft

12 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

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% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (strata, tax, utilities, etc.)$315.75
Total monthly cost$3,153.97
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$29,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,997.93

Cash Needed at Closing

Minimum down payment$29,990
Estimated BC PTT$8,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,488

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.

Request more information