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$430K · 1 bed Condo Apartment · Unit 112, 85 Spruce Street, Cambridge, Ontario N1R 4K4 | HomeSearchCanada

$429,900

Unit 112

8 DOM

128d

Map

DOM 8

$429,900

DOM8days

Unit 112

85 Spruce Street · Cambridge · Ontario N1R 4K4

MLS® X13723450 · N1R 4K4

12Vacant1200-1399 ft²Condo ApartmentNoneNo basement8d$331/ft²$3,274 tax/yrBuilt 200323 yrs oldNo basement

8 days on market

About this home

MODERN LOFT LIVING! Welcome to this stunning loft, where soaring 16ft ceilings and expansive windows create a bright, airy ambiance. Featuring polished concrete floors, exposed brick, ducts, pipes, and iron columns, this space seamlessly blends original character with modern sophistication. Set within a 1910 fabric weaving factory stylishly converted into loft-style residences, Unit #112 offers over 1,250 sqft of thoughtfully designed living space. This one-bedroom plus den unit includes two ful…

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Property details

MLS#: X13723450
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 2 full, 0 half
Rooms: 5
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 2-Storey
Type: Condo Apartment
Year built: 2003

Occupancy: Vacant
Washrooms: 3 pc · Main; 4 pc · Second
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: RM3

Property features: Public Transit, River/Stream, Library, Park

Condo corp #: 487
Balcony: None
Locker: Owned
Association amenities: Party Room/Meeting Room, Exercise Room
Fees include: Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Dundas Street N
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Laundry level: Main Level
Interior: Water Softener
Parking features: Reserved/Assigned

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX TWIN CITY FAISAL SUSIWALA REALTY

Source: TRREB/PROPTX · MLS® X13723450

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$430K

Unit 112 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $429,900✓ $3,274 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,392/mo

incl. closing costs (yr 1)

Annual total

$52,699

year 1

Mortgage only

$1,631/mo

principal + interest

Beyond mortgage

$1,880/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$85,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$273/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$4,299/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)$68/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $19,571/yr

Property taxes16% $8,347/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,299/yr

Condo fees19% $9,822/yr

Closing costs10% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,571	$1,631/mo
Government & taxes
Property tax	$3,274	$273/mo
Land transfer tax(closing)	$5,073	$423/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%)	$4,299	$358/mo
Condo fees
Condo / HOA fees	$9,822	$819/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	$52,699	$4,392/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 112

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