Property Type: Detached HouseOwnership: Freehold

63 BIRCH Street

Cambridge, BC N1R2M6

$995,000

4 bed3.5 bath8 parking3,101 sqftBuilt 1899
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Frontage
75 feet

R1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,077

Interior

Basement
Finished, Partial
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Wood, Stone
Lot features
Southern exposure

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
8 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Laundry roomBasement18'7'' x 11'9''
4pc BathroomSecond level8'2'' x 7'9''
Primary BedroomSecond level22'5'' x 16'11''
Living roomSecond level19'10'' x 16'8''
DinetteSecond level7'8'' x 12'10''
KitchenSecond level8'7'' x 7'2''
FoyerMain level11'11'' x 10'4''
2pc BathroomMain level3'0'' x 7'2''
4pc BathroomMain level6'9'' x 7'9''
BedroomMain level8'0'' x 11'11''
BedroomMain level12'0'' x 10'4''
Primary BedroomMain level15'6'' x 12'0''
Family roomMain level26'5'' x 17'7''
Dining roomMain level17'7'' x 15'11''
Living roomMain level13'10'' x 12'2''
KitchenMain level15'0'' x 13'10''

Listing Information

MLS®
40853369
Listed
August 6, 2026
Time on market
On the market for 39 days
Data last synced
September 15, 2026

Listing provided by: Re/Max Icon Realty · Data source: CREA DDF.

Description

Welcome to this captivating and beautiful stone home, radiating timeless character in a quiet, highly desirable East Galt neighbourhood. This prime location is just a short, scenic stroll from the Grand River, a vibrant historic downtown, excellent schools, lush parks, and winding nature trails. Unrivalled versatility defines this property, with more than a quarter-acre lot. Currently configured as a duplex, it serves as the ultimate multi-generational haven or an income-generating mortgage helper. Alternatively, it can easily revert into a grand single-family estate, complete with a massive upper-level primary suite or a private suite for the young adult still living at home. Inside, historic charm seamlessly blends with modern comfort. You are greeted by rich hardwood flooring, detailed trim, elegant crown moulding, pocket doors and exquisite custom woodwork, all beautifully anchored by a breathtaking exposed stone accent wall that tells a story of craftsmanship. The main level offers an expansive layout featuring three bright bedrooms, a large formal dining room perfect for hosting dinners, and an inviting living room filled with natural light. The chef’s kitchen is beautifully appointed with premium granite countertops, a gas cooktop, a built-in wall oven, and abundant cabinetry. Just steps from the kitchen, a charming covered front porch provides a peaceful spot for your morning coffee or evening relaxation. The true crown jewel of the home is the show-stopping family room. Loaded with rustic warmth. This expansive space is tailor-made for entertaining. Elegant French doors sweep open to a lovely interlocking brick patio and a massive backyard oasis—a rare find with open green space for kids and pets to play. For the hobbyist, contractor, or car enthusiast, the large L-shaped detached garage/ shop/ man cave is a dream come true. Plenty of parking available both in the garage and driveway. Book your private showing to experience this rare gem first-hand. (id:63159)

Values & Trends

This listing

$321/sqft

Building average

No other active listings in this building

21 - Glenview, Lincoln, Oak average

$448/sqft

17 active listing(s)

Parking: 8 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: 7.5% ($74,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$796,000.00
Periodic payment — Principal & Interest (monthly)$5,135.52
Additional monthly expenses (strata, tax, utilities, etc.)$744.75
Total monthly cost$5,880.27
Interest paid over 5-yr term$228,135.89
Balance at end of term$716,004.57

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$74,500
Stress test qualifying rate8.09%
Payment you must qualify for$7,078.32

Cash Needed at Closing

Minimum down payment$74,500
Estimated BC PTT$17,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$93,900

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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