91 Water Street, Cambridge, ON

$999,000
MLS#:X13225358
7 beds
4 baths
3000-3500 sqft
4.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] fourplex located in the coveted neighborhood of Cambridge. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $999,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 7 Bedrooms and 4 Bathrooms with 4 functional kitchens
  • Generous living space spanning 3000-3500 sqft on a premium 31.9 x 151.8 ft lot
  • Features a ["half"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Separate Hydro Meter
  • equipped with ["none"] central cooling and highly efficient baseboard heating via electric

Whether you're a house-hacker hunting for the perfect place to live in and grow your wealth or a pure investor looking for an amazing investment vehicle (7.91% CAP rate!), this separately metered 4plex is truly a rare opportunity because the tenants pay almost all the utilities use: Each unit pays for their own heat & hydro plus one hydro meter for the landlord to pay for the common area usage, Where can you find an investment property that has a monthly net cash flow AFTER financing of $2,822 with 20% down (@ 3.89% 30 yr AM) OR $2,220 with 10% minimum down? Total 5 yr equity position @20% down $759,000, 10 yr equity $1,210,000. Why this property stands out: Fully Renovated: Professionally redone from top to bottom, ensuring you attract and hold onto high-quality tenants and minimize future maintenance costs. Nearly everything is NEW, meaning fewer headaches and more peace of mind * Immediate Rental Income: all units rented are at market. Versatile Layouts: The suite configurations offers you diverse rental options. The composition includes one 3-bedroom, two 2-bedrooms, and one bachelor unit. Plus, there's parking for four vehicles at the rear of the property * Bonus: the City clears the snow on the sidewalk in front of the building. Amazing location! You've got the Grand River right in front of you with access to lots of walking trails including the famous Cambridge To Paris Rail-Trail. WALK to: Downtown 5 min, Cambridge Bus Terminal 6 min, groovy Gaslight District 8 min, U of Waterloo Cambridge 10 min, grocery store 12 min - so near to everything without being in the thick of it. By car you are only 15 min to the 401, 30 min to Hamilton, and an hour to Toronto. No, this one will not be available for long! Grab the brass ring and begin to create generational wealth! (Photos from when renovations were completed in 2024.)

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Key Features

Bedrooms
7
Bathrooms
4
Kitchens
4
Living Area
3000-3500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/1/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeFourplex
ConstructionBrick, Vinyl Siding
Lot Size31.9 × 151.8 Feet
CountyWaterloo
Annual Tax$5,743
Legal DescriptionPT LT 13 E/S WATER ST S PL 615 CAMBRIDGE AS IN 1278896; S/T & T/W 1278896; CAMBRIDGE

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
Cooling["None"]

Features

Property Features

Fenced Yard, Public Transit, River/Stream

Community Features

Location

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91 Water Street, Cambridge, ON

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 91 Water Street S, Cambridge, ON N1R 3E1

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Financial Audit

Estimated Costs

Loan Amount$799,200
Monthly Mortgage$4,644
Property Tax (Est.)$479
Utilities & Maint.$350
Total Monthly Cost$5,473

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in Cambridge.

City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cambridge.

Verified Local Data
City Population575,847
City Median Age38 Yrs
City Ownership65% Owners
Avg Area List Price$782,411

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
45%
Couples without children
28%
Other households
3%

Top Ethnic Origins

English18%
German17%
Scottish15%
Irish15%

Local Schools Guide

Elementary Schools

Elgin Street
Public685 Elgin Street North, Cambridge, Ontario, N1R 7W6
6.2
Avenue Road
Public40 Gail Street, Cambridge, Ontario, N1R 4M2
3.3
Christ The King
Public70 Acorn Way, Cambridge, Ontario, N1R 8M5
3.1
St Peter
Public92 Avenue Road, Cambridge, Ontario, N1R 1C1
5.6
Manchester
Public455 Dundas Street North, Galt, Cambridge, Ontario, N1R 5R5
4.7

Secondary Schools

Galt
Public200 Water Street North, Galt, Cambridge, Ontario, N1R 6V2
5.9
St. Benedict
Catholic50 Saginaw Parkway, Cambridge, Ontario, N1R 5W1
6.8

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.