Property Type: Detached HouseOwnership: Freehold

39 HENRY Street

Cambridge, BC N1R3W3

$599,900

4 bed3.5 bath5 parking2,101 sqftBuilt 1955
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
40 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,968

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Range - Gas, Dishwasher, Dryer, Window Coverings

Exterior & Lot

Exterior features
Brick, Stone, Other
Lot features
Paved driveway, In-Law Suite

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
5 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement6'3'' x 11'1''
3pc BathroomBasement7'1'' x 7'1''
BedroomBasement9'1'' x 9'10''
Recreation roomBasement14'3'' x 19'11''
Eat in kitchenBasement6'2'' x 10'4''
2pc BathroomMain level4'2'' x 6'6''
Living roomMain level11'7'' x 15'10''
Dining roomMain level11'7'' x 11'5''
Eat in kitchenMain level10'5'' x 13'9''
3pc BathroomSecond level9'8'' x 7'2''
BedroomSecond level11'5'' x 10'10''
BedroomSecond level11'4'' x 13'5''
Primary BedroomSecond level11'9'' x 13'0''

Listing Information

MLS®
40850330
Listed
July 28, 2026
Time on market
On the market for 49 days
Data last synced
September 15, 2026

Listing provided by: RE/MAX REAL ESTATE CENTRE INC., BROKERAGE · Data source: CREA DDF.

Description

Welcome to this charming two-story home offering a cozy and comforting living space. This home is walking distance to parks, schools and downtown Galt area. The main level features a bright open-concept living and dining area with sliding doors that lead out to a stamped concrete patio, perfect for everyday living, relaxing or hosting guests. The kitchen is well equipped with ample storage, including a pantry and features a gas range (approx. 2 years old), stainless steel refrigerator and a Bosch dishwasher. Upstairs you will find three well-sized bedrooms filled with natural light and good sized closets, and a 3-piece bathroom that was renovated in 2024. The finished basement adds excellent value and flexibility for an in law suite or income potential. It is complete with a second kitchen, good sized bedroom, 3-piece bathroom and a generous sized recreation room with durable laminate flooring. This area is perfect for extended family, guests or additional living space. Oversized garage 21ft. X 21ft. with 2 storage sections. This home has had some major updates in the last two years (2024) which include: Brand new furnace 2026 with a 5 year warranty and first year with free service, high end laminate flooring in the basement, a new driveway, a cement stamped walkway out front, a 21X19 cement stamped pad at the back, egress windows and new window wells all around, new bathroom upstairs, new drains from the main kitchen sink to the main stack in the basement. New drain from the upstairs bathroom to the main floor bathroom. From the main drain (stack) pipe there is a new drain pipe all the way out to the main flush out. The foundation was re-built 9 ft down to the footings with cement re-bar and the basement wrapped in Blueskin WP200 and sealed from the back right corner to the front left corner. With it's warm character, functional layout and income potential this home is ready to welcome its next owner. (id:63159)

Values & Trends

This listing

$286/sqft

Building average

No other active listings in this building

21 - Glenview, Lincoln, Oak average

$451/sqft

17 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: 5.8% ($34,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$479,920.00
Periodic payment — Principal & Interest (monthly)$3,096.28
Additional monthly expenses (strata, tax, utilities, etc.)$435.67
Total monthly cost$3,531.95
Interest paid over 5-yr term$137,546.45
Balance at end of term$431,689.59

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,343.96

Cash Needed at Closing

Minimum down payment$34,990
Estimated BC PTT$9,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,488

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.

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