872 Elgin Street, Cambridge, ON

$499,900
MLS#:X12922970
3 beds
2 baths
700-1100 sqft
5.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey semi-detached located in the coveted neighborhood of Cambridge. Expertly crafted featuring premium vinyl siding and brick front construction, this residence presents an exceptional opportunity offered at $499,900 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 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 31.66 x 98.43 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 5.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

There's something special about finding a home that feels right the moment you walk in and this one delivers exactly that. Located in North Galt, 872 Elgin St N. is a thoughtfully updated 2-story semi-detached home that offers 1,067 sq. ft. above grade plus an additional 213 sq. ft. of finished lower-level living space. It's an affordable home that balances comfort, function, and the opportunity of home ownership. The main floor is designed for everyday living, featuring a bright and inviting living room at the front of the home, highlighted by a large bay window that fills the space with natural light. Toward the back, the updated kitchen (done in 2016 (fridge 2024)) and dining area come together seamlessly, offering ample storage, ease and flow. A sliding patio door (2022) extends your living space outdoors, leading directly to the fully fenced backyard (2020). Upstairs, you'll find three (3) spacious bedrooms, each offering great closet storage and flexibility for families, guests, or a home office. There is also a newly renovated 4-piece bathroom (2021) that completes the second level. The finished lower level adds valuable versatility with a cozy recreation room, bar area, 3-piece bathroom and laundry (new washer & dryer 2023). The furnace and A/C were both replaced in 2025 (owned), new windows throughout (2022), and asphalt roof shingles (2009) and eavestrough (2024) . Step outside to the backyard designed for both privacy and enjoyment. The large deck is perfect for summer BBQs and gatherings, while mature trees create a peaceful setting. A fully insulated detached garage, located within the fenced yard, adds year-round functionality for parking, storage, or workshop use. Located in a central and established neighbourhood, you're close to schools, parks, shopping, and major routes, making day-to-day living convenient and connected.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateApril 6, 2026
Sold price information is available to members only
Listed Date3/24/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeSemi-Detached
Architectural Style2-Storey
ConstructionVinyl Siding, Brick Front
BasementFull, Partially Finished
Lot Size31.66 × 98.43 Feet
CountyWaterloo
Annual Tax$3,504.94
Legal DescriptionPT.LT.97,RP67R3826,PT.5,PLAN 1511

Parking & Garage

Parking Spaces5.0
Garage Spaces4
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard, Hospital, Park, School, School Bus Route, Public Transit

Interior Features

Water Heater

Security Features

Community Features

Location

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872 Elgin 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 872 Elgin Street N, Cambridge, ON N1R 8C2

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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$24,995 (5.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period25 Years
Estimated Monthly Payment$2,830Based on a loan of $474,905 over 25 years.
Purchase Price$499,900
Loan Amount$474,905
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in Cambridge, ON

For a property listed at $499,900 in Cambridge, the legal minimum down payment is $24,995 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 $6,473 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 $6,473.

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$928,248

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.