Property Type: Detached HouseOwnership: Freehold

26 RICHARDSON Street

Cambridge, BC N1S2P3

$525,000

3 bed3.5 bath1 parking1,185 sqft
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Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
2
Frontage
26 feet

(F)RS1RM4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,941

Interior

Basement
Partially finished, Full
Heating
Natural gas
Cooling / A/C
None
Fireplace
None
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer, Hood Fan, Microwave Built-in

Exterior & Lot

Exterior features
Vinyl siding
Lot features
Shared Driveway

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
1 — uncovered indicated
Features
Open

Room Dimensions

RoomLevelDimensions
StorageBasement15'6'' x 13'8''
Recreation roomBasement16'10'' x 12'10''
3pc BathroomSecond level6'4'' x 5'7''
3pc BathroomSecond level7'7'' x 3'5''
BedroomSecond level10'1'' x 9'3''
BedroomSecond level12'0'' x 9'3''
Primary BedroomSecond level10'6'' x 11'3''
2pc BathroomMain level5'7'' x 3'2''
KitchenMain level12'8'' x 11'8''
Dining roomMain level8'9'' x 12'5''
Living roomMain level13'5'' x 10'7''

Listing Information

MLS®
40857882
Listed
August 24, 2026
Time on market
On the market for 22 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX TWIN CITY REALTY INC. · Data source: CREA DDF.

Description

Welcome to 26 Richardson St, Cambridge. This fully renovated home is perfectly situated in the heart of West Galt, just steps from the vibrant Gaslight District, where you can enjoy walking to new restaurants or taking a relaxing stroll along the Grand River. Everything in the home has been redone and updated, offering a truly move in ready experience. The main floor features high ceilings, a bright open concept living and dining area, a convenient two piece bathroom, and a brand new kitchen with new appliances, while a second rear entrance leads to a deck and backyard. The second floor offers three well sized bedrooms and two three piece bathrooms, including a primary bedroom with its own ensuite. The open concept basement provides additional living space along with a separate storage room and laundry. With its prime location and modern finishes, this home is ideal for first time buyers or anyone seeking a walkable lifestyle. Schedule your showing today. (id:63159)

Values & Trends

This listing

$443/sqft

Building average

No other active listings in this building

11 - St Gregory's/Tait average

$459/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

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: 5.2% ($27,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$420,000.00
Periodic payment — Principal & Interest (monthly)$2,709.70
Additional monthly expenses (strata, tax, utilities, etc.)$304.08
Total monthly cost$3,013.78
Interest paid over 5-yr term$120,373.21
Balance at end of term$377,791.36

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$27,500
Stress test qualifying rate8.09%
Payment you must qualify for$3,825.60

Cash Needed at Closing

Minimum down payment$27,500
Estimated BC PTT$8,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$37,500

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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