$449K · 3 bed Condo Townhouse · Unit 18, 135 Chalmers Street, Cambridge, Ontario N1R 6M2

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About this home

Could be the best value townhouse in Waterloo Region! Fully refinished top-to-bottom, this move-in-ready 3-bedroom home with an attached garage offers affordable ownership without compromise. Backing onto mature trees and peace, you'll enjoy rare privacy with no direct rear neighbours. Bright open-concept living, an oversized sun-filled primary bedroom, modern finishes, low taxes, and nothing left to do but move in. Located in family-friendly East Galt, minutes to the 401, schools, parks, trails…

Property details

MLS#

X12925792

Status

Conditionally Sold

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full

Style

3-Storey

Type

Condo Townhouse

Year built

1985

Occupancy: Owner Occupied
Washrooms: 4 pc; 2 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Zoning: RM4

Property features: Fenced Yard, Golf, School, Public Transit, Park, School Bus Route

Condo corp #: 461
Balcony: None
Locker: None
Association amenities: Visitor Parking
Fees include: Water Included, Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Vinyl Siding, Brick
Fronting on: —
Cross street: Champlain Blvd.
Stories: 1
Utilities: —
Laundry: Laundry Room
Laundry level: Main Level
Interior: Water Heater
Parking features: Inside Entry, Private

Price movement & seller pressure

↓ $51KPrice reduction

MLS shows the seller reduced the asking price by $50,900 (from $499,900 to $449,000).

Motivated SellerWhy this label

119 days on market — Listing has been active for 119 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,000✓ $1,901 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,906/mo

incl. closing costs (yr 1)

Annual total

$46,875

year 1

Mortgage only

$1,703/mo

principal + interest

Beyond mortgage

$1,290/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$158/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,490/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$27/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $20,440/yr

Property taxes16% $7,356/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,490/yr

Condo fees8% $3,928/yr

Closing costs11% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,440	$1,703/mo
Government & taxes
Property tax	$1,901	$158/mo
Land transfer tax(closing)	$5,455	$455/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,490	$374/mo
Condo fees
Condo / HOA fees	$3,928	$327/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$46,875	$3,906/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 18

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs