523 Dunbar Road, Cambridge, ON

$650,000
MLS#:X13112350
5 beds
2 baths
700-1100 sqft
4.0 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 brick construction, this residence presents an exceptional opportunity offered at $650,000 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.

  • 5 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 700-1100 sqft on a premium 51 x 120 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Water Softener, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Beautifully maintained bungalow in a quiet, highly desirable Cambridge neighborhood with no front neighbors-just a peaceful conservation area offering privacy, greenery, and year-round tranquility. This charming home features 3 spacious main-floor bedrooms plus a fully finished 2-bedroom basement apartment with its own separate entrance, ideal for rental income, in-law living, or multigenerational families. Freshly painted throughout and set on a generous 51 by 120 ft lot, this property offers exceptional outdoor potential. The expansive backyard can accommodate a future pool or an accessory dwelling unit (garden suite), giving buyers the opportunity to expand, invest, or create additional living space. A large deck and private yard make it perfect for entertaining or relaxing. Parking for up to 4 vehicles adds everyday convenience. Located minutes from schools, parks, shopping, public transit, and major highways, this move-in-ready bungalow combines comfort, practicality, and long-term value. A rare opportunity to own a home with income potential and future development options in one of Cambridge's most sought-after pockets.

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Key Features

Bedrooms
5
Bathrooms
2
Kitchens
2
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 17, 2026
Sold price information is available to members only
Listed Date5/11/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementFinished
Lot Size51 × 120 Feet
CountyWaterloo
Annual Tax$4,164
Legal DescriptionLT 2 PL 1181 CAMBRIDGE; S/T 306734; CAMBRIDGE

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Carpet Free, Water Softener, Primary Bedroom - Main Floor, Water Heater

Security Features

Community Features

Location

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523 Dunbar Road, 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 523 Dunbar Road, Cambridge, ON N3H 2T3

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$40,000 (6.2%)
* Minimum Canadian down payment required for this price is $40,000.
Amortization Period25 Years
Estimated Monthly Payment$3,635Based on a loan of $610,000 over 25 years.
Purchase Price$650,000
Loan Amount$610,000
Provincial Land Transfer Tax:$9,475
Total Estimated Closing Taxes:$9,475

About Purchasing a Home in Cambridge, ON

For a property listed at $650,000 in Cambridge, the legal minimum down payment is $40,000 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 $9,475 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 $9,475.

Nearby Listings

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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.