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$449,500
175 Cedar Street · Cambridge · Ontario N1S 4X8
154 days on market
Welcome to Unit 10 at 175 Cedar Street, Cambridge! This well-maintained 3-bedroom, 1.5-bath townhome offers great value for first-time buyers, downsizers, and investors. Exceptionally clean and move-in ready, this home features a functional layout with finished living space on all three levels. The bright main floor offers a spacious living and dining area, a practical kitchen, and a convenient powder room. Upstairs, you'll find three generously sized bedrooms, including a spacious primary bedro…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: Keller Williams Edge Realty
Source: TRREB/PROPTX · MLS® X13162922
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $20,463 | $1,705/mo |
| Government & taxes | ||
| Property tax | $2,468 | $206/mo |
| Land transfer tax(closing) | $5,465 | $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%) | $4,495 | $375/mo |
| Condo fees | ||
| Condo / HOA fees | $4,800 | $400/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 | $48,352 | $4,029/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.