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$450K · 3 bed Condo Townhouse · 135 (18) Chalmers Street, Cambridge, Ontario N1R 6M2 | HomeSearchCanada

$449,900

135 (18) Chalmers Street

77 DOM

3277d

Map

DOM 77

↓ $20KPrice Reduced

$449,900

↓ $20K

DOM77days

135 (18) Chalmers Street

Cambridge · Ontario N1R 6M2

MLS® X13099374 · N1R 6M2

32OwnerOccupied1400-1599 ft²Condo Townhouse1-car AttachedFinished, Full77d$300/ft²$1,901 tax/yrBuilt 198541 yrs oldFinished, Full

77 days on market

About this home

OPEN HOUSE THIS SUNDAY 12:30 - 1:30pm. $200 GIFTCARD GIVEAWAY! 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…

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Property details

MLS#: X13099374
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 2 full, 0 half
Rooms: 9
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished, Full
Style: 3-Storey
Type: Condo Townhouse
Year built: 1985

Occupancy: Owner Occupied
Washrooms: 3 pc; 4 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Roof: Shingles
Foundation: Poured Concrete
Property features: Hospital, Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre

Condo corp #: 461
Balcony: None
Locker: None
Fees include: Water Included, Common Elements Included, Building Insurance Included, Parking 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 · Deck, Landscaped, Patio, Year Round Living
Fronting on: —
Cross street: Elgin or Champlain to Chalmers St.S.
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Water Heater
Parking features: Private

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $469,900 to $449,900).

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

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: Exit Integrity Realty Inc.

Source: TRREB/PROPTX · MLS® X13099374

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$450K

135 (18) Chalmers Street · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $1,901 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,912/mo

incl. closing costs (yr 1)

Annual total

$46,943

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,291/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

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%$4,499/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$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $20,481/yr

Property taxes16% $7,374/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,499/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)	$20,481	$1,707/mo
Government & taxes
Property tax	$1,901	$158/mo
Land transfer tax(closing)	$5,473	$456/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%)	$4,499	$375/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	$46,943	$3,912/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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135 (18) Chalmers Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs