Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

99 CEDAR Street

Cambridge, BC N1S1V7

$529,900

3 bed1 bath3 parking1,075 sqft
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Property Details

Property & Lot

Sub-type
House
Style
Other
Stories
2
Frontage
41 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,220.94

Interior

Basement
Unfinished, Full
Heating
Forced air, Natural gas
Cooling / A/C
None
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Gas stove(s), Dryer, Window Coverings

Exterior & Lot

Exterior features
Stucco
Lot features
Crushed stone driveway

Building

Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
3

Room Dimensions

RoomLevelDimensions
StorageBasement4'2'' x 2'9''
OtherBasement9'9'' x 5'5''
OtherBasement12'1'' x 25'1''
Laundry roomBasement10'7'' x 13'1''
Primary BedroomSecond level11'10'' x 8'11''
BedroomSecond level12'0'' x 8'0''
BedroomSecond level11'9'' x 8'0''
3pc BathroomSecond level5'10'' x 6'3''
KitchenMain level10'11'' x 13'3''
Dining roomMain level10'11'' x 13'1''
Living roomMain level10'11'' x 12'0''

Listing Information

MLS®
40859733
Listed
September 9, 2026
Time on market
On the market for 6 days
Data last synced
September 15, 2026

Listing provided by: Royal LePage Wolle Realty · Data source: CREA DDF.

Description

Welcome to 99 Cedar Street in Cambridge! This charming one-and-a-half-storey home in West Galt is perfect for first-time homebuyers or investors. It is ideally located near a variety of amenities and just a short walk from Victoria Park, the Grand River, the Gas Light District, and the vibrant downtown area. The home features a traditional layout with separate living & dining rooms and a bright eat-in kitchen with stainless steel appliances, including a gas range, plus deck access. The upper level offers three bedrooms and a three-piece bathroom with a stand-alone tub. The unfinished basement offers plenty of extra space, including a laundry room, utility room, and a cold/storage room. Outside, you can relax on the covered front porch or enjoy the large raised deck in the backyard, which overlooks a spacious, fully fenced yard with mature trees perfect for entertaining and outdoor activities. (id:63159)

Values & Trends

This listing

$493/sqft

Building average

No other active listings in this building

11 - St Gregory's/Tait average

$454/sqft

12 active listing(s)

Parking: 3 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: 5.3% ($27,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$423,920.00
Periodic payment — Principal & Interest (monthly)$2,734.99
Additional monthly expenses (strata, tax, utilities, etc.)$322.41
Total monthly cost$3,057.40
Interest paid over 5-yr term$121,496.69
Balance at end of term$381,317.41

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$27,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,859.51

Cash Needed at Closing

Minimum down payment$27,990
Estimated BC PTT$8,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$38,088

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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