Property Type: Detached HouseOwnership: Freehold

99 WESTCLIFF Way

Cambridge, BC N1S5A7

$859,000

5 bed3 bath4 parking3,028 sqftBuilt 1999
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Property Details

Property & Lot

Sub-type
House
Style
Bungalow
Stories
1
Frontage
51 feet

R4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,305.79

Interior

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

Exterior & Lot

Exterior features
Brick
Lot features
Automatic Garage Door Opener

Building

Water source
Municipal water
Sewer
Municipal sewage system
Security
None

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
StorageBasement9'9'' x 5'2''
Utility roomBasement10'4'' x 12'9''
Recreation roomBasement36'2'' x 14'2''
Recreation roomBasement12'7'' x 22'9''
BedroomBasement12'10'' x 11'7''
BedroomBasement12'10'' x 10'4''
3pc BathroomBasement5'9'' x 9'11''
Primary BedroomMain level14'11'' x 15'3''
Laundry roomMain level7'0'' x 7'1''
KitchenMain level19'2'' x 11'11''
Living roomMain level24'0'' x 14'11''
BedroomMain level10'11'' x 11'5''
BedroomMain level9'11'' x 11'5''
4pc Ensuite bathMain level7'10'' x 5'5''
4pc BathroomMain level7'11'' x 5'4''

Listing Information

MLS®
40860630
Listed
September 8, 2026
Time on market
On the market for 7 days
Data last synced
September 15, 2026

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

Description

Welcome to 99 Westcliff Way, a spacious bungalow in desirable West Galt, offering over 3,000 finished sq. ft. of comfortable living space and an ideal layout for families of all sizes. The main floor features three generously sized bedrooms, including a primary suite with ensuite bath, plus a second full bathroom and convenient main-floor laundry. Enjoy a large great room open onto a massive kitchen, fully remodeled in 2023 offering abundant cabinetry, generous workspace and plenty of room to gather with family and friends. Sliding doors provide a seamless connection to the fully fenced backyard, creating an inviting space for outdoor entertaining, children and pets. The finished basement provides incredible additional living space, featuring two large recreation areas, one with a gas fireplace and the other with an electric fireplace. Two additional bedrooms and a three-piece bathroom make the lower level ideal for family time, older children or income potential. With its impressive finished square footage, thoughtful floor plan, extensive updates and sought-after West Galt location, 99 Westcliff Way offers the space and flexibility you've been looking for — inside and out. (id:63159)

Values & Trends

This listing

$284/sqft

Building average

No other active listings in this building

14 - Westview average

$490/sqft

7 active listing(s)

Parking: 4 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: 7.1% ($60,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$687,200.00
Periodic payment — Principal & Interest (monthly)$4,433.58
Additional monthly expenses (strata, tax, utilities, etc.)$676.48
Total monthly cost$5,110.06
Interest paid over 5-yr term$196,953.50
Balance at end of term$618,138.62

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$60,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,137.11

Cash Needed at Closing

Minimum down payment$60,900
Estimated BC PTT$15,180
Legal / closing costs (typical estimate)$1,500
Total cash needed$77,580

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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