Property Type: Detached HouseOwnership: Freehold

82 ELMWOOD Avenue

Cambridge, BC N1R4Y4

$639,900

4 bed2 bath5 parking1,034 sqft
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.1 acres
Frontage
40 feet

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,982

Interior

Basement
Partially finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Refrigerator, Water softener, Stove

Exterior & Lot

Exterior features
Brick, Vinyl siding
Lot features
Automatic Garage Door Opener, In-Law Suite
Fencing
Fence

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
5 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
3pc BathroomBasement
BedroomBasement8'0'' x 9'0''
Recreation roomBasement13'7'' x 10'5''
4pc BathroomMain level
BedroomMain level8'4'' x 11'2''
BedroomMain level9'9'' x 11'6''
Primary BedroomMain level11'3'' x 11'3''
Living roomMain level11'3'' x 19'2''
Eat in kitchenMain level11'6'' x 18'8''

Listing Information

MLS®
40853395
Listed
August 7, 2026
Time on market
On the market for 39 days
Data last synced
September 15, 2026

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

Description

Charming Bungalow with In-Law Suite & Oversized Garage! This well-maintained bungalow offers incredible flexibility for families, investors, or those looking for multi-generational living. The main floor features 3 bedrooms, a full bathroom, a spacious living room, and a bright eat-in kitchen. The finished basement includes a recreation room and a separate one-bedroom in-law suite with its own private entrance, kitchen, and living area, offering excellent potential for extended family or additional income. Outside, you'll find an oversized detached garage, a garden shed for extra storage, and no rear neighbours, providing added privacy and outdoor enjoyment. While the home has been well cared for, it also offers an excellent opportunity for buyers to add their own personal style and build equity through cosmetic updates. Situated in a mature, family-friendly neighbourhood, Elmwood Avenue offers the perfect balance of convenience and community. Schools, parks, shopping, public transit, and everyday amenities are all within walking distance. Enjoy quick access to Highway 401, downtown Galt, Hespeler Road, and nearby walking trails. A fantastic opportunity to own a solid home in a desirable, well-connected location with endless potential. (id:63159)

Values & Trends

This listing

$619/sqft

Building average

No other active listings in this building

30 - Elgin Park/Coronation average

$380/sqft

9 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

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: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (strata, tax, utilities, etc.)$383.83
Total monthly cost$3,686.57
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$38,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,620.79

Cash Needed at Closing

Minimum down payment$38,990
Estimated BC PTT$10,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,288

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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