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$640K · 2 bed Condo Apartment · Unit 111, 25 Concession Street, Cambridge, Ontario N1R 2G6 | HomeSearchCanada

$639,900

Unit 111

2 DOM

222d

Map

NEW 33 HRS AGO

DOM 2

$639,900

DOM2days

Unit 111

25 Concession Street · Cambridge · Ontario N1R 2G6

MLS® X13741882 · N1R 2G6

22Vacant1200-1399 ft²Condo ApartmentNoneFull, Unfinished2d$492/ft²$4,980 tax/yrFull, Unfinished

2 days on market

About this home

A fresh new look for one of Downtown Galt's most distinctive lofts. Set within the iconic Grand River Lofts, this newly refreshed two-bedroom, two-bathroom residence offers approximately 1,200 sq. ft. of open, character-filled living with soaring ceilings, exposed beams, stone walls and oversized windows that fill the home with natural light. Recent updates bring a fresh, contemporary feel while preserving the authentic architectural character that makes this conversion so special. The spacious…

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Property details

MLS#: X13741882
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 2
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Arts Centre, Hospital, Library, Park, Place Of Worship, Public Transit

Condo corp #: 528
Balcony: Enclosed
Locker: None
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 2 total
Heating: Other
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Stone · Landscaped, Porch Enclosed
Fronting on: —
Cross street: Water St
Stories: 1
Utilities: —
Laundry: Laundry Closet
Laundry level: Main Level
Interior: Brick & Beam
Parking features: Reserved/Assigned, Surface

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: ROYAL LEPAGE CROWN REALTY SERVICES

Source: TRREB/PROPTX · MLS® X13741882

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$640K

Unit 111 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $639,900✓ $4,980 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,580/mo

incl. closing costs (yr 1)

Annual total

$66,961

year 1

Mortgage only

$2,428/mo

principal + interest

Beyond mortgage

$1,921/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$127,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$415/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%$6,399/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $29,131/yr

Property taxes21% $14,253/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,399/yr

Condo fees10% $6,518/yr

Closing costs8% $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)	$29,131	$2,428/mo
Government & taxes
Property tax	$4,980	$415/mo
Land transfer tax(closing)	$9,273	$773/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%)	$6,399	$533/mo
Condo fees
Condo / HOA fees	$6,518	$543/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	$66,961	$5,580/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 111

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