41 Spruce Street, Cambridge, ON

$549,900
MLS#:X12839326
3 beds
1 baths
1500-2000 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Cambridge. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $549,900 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.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 1500-2000 sqft on a premium 58 x 153 ft lot
  • Features a partial basement, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to this beautifully appointed home offering nearly 1,700 sq ft of expansive main floor living space, nestled in an established neighbourhood rich in architectural charm and timeless character. Framed by mature, tree-lined streets, this is the perfect place to unwind and truly feel at home. Step inside through the large, welcoming foyer, where rich accents and thoughtful design details set the tone throughout. The inviting living room is flooded with natural light from a massive window and anchored by a striking gas fireplace - the perfect gathering space and flows seamlessly into a separate dining area, ideal for entertaining. The modern kitchen impresses with marble countertops, stainless steel appliances, a contemporary backsplash, and convenient access to the main floor laundry/mudroom & garage access for everyday ease. The main level features three spacious bedrooms and a fully renovated 4-piece bathroom (April 2025) showcasing a new modern tub and surround with built-in shelf, Moen faucets, black hexagon floor tiles & more - with every detail thoughtfully completed. Designed for every day living and relaxation, the spacious family room is complete with a 2nd gas fireplace with seamless access to the backyard. Downstairs, the fully finished basement rec room provides additional versatile living space - perfect for a media room, play area, or home gym! Situated on a huge lot, this property offers a fully fenced backyard ideal for kids, pets, and summer gatherings. Enjoy the convenience of being walking distance to downtown and located directly across from Centennial Park. This home is the perfect blend of space, modern comfort with an unbeatable location - ready for you to call home! Don't miss out!

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Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 19, 2026
Sold price information is available to members only
Listed Date3/3/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementPartial Basement, Finished
Lot Size58 × 153 Feet
CountyWaterloo
Annual Tax$4,541.82
Legal DescriptionPT LT 84 PL 442 CAMBRIDGE AS IN WS711200; CAMBRIDGE

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Hospital, Park, School, Fenced Yard

Interior Features

Primary Bedroom - Main Floor

Security Features

Community Features

Location

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41 Spruce 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 41 Spruce Street, Cambridge, ON N1R 4K2

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.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cambridge.

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Interest Rate5.25%
Down Payment$29,990 (5.5%)
* Minimum Canadian down payment required for this price is $29,990.
Amortization Period25 Years
Estimated Monthly Payment$3,098Based on a loan of $519,910 over 25 years.
Purchase Price$549,900
Loan Amount$519,910
Provincial Land Transfer Tax:$7,473
Total Estimated Closing Taxes:$7,473

About Purchasing a Home in Cambridge, ON

For a property listed at $549,900 in Cambridge, the legal minimum down payment is $29,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $7,473 for this transaction. As this listing is in Cambridge (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $7,473.

Nearby Listings

Distance:

No current listings found in Cambridge.

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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$928,168

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

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