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$649K · 2 bed Condo Townhouse · Puslinch Lake Settlement Areas, Cambridge | MyPropertyScout

$649,000

Unit 103

22OwnerOccupied

Map

$649,000

D●●○○○

Unit 103

85 Spruce Street · Cambridge · Ontario N1R 4K4

MLS® X12936286 · Puslinch Lake Settlement Areas · N1R 4K4

22OwnerOccupied1600-1799 ft²Condo Townhouse1-car Attached$382/ft²$4,483 tax/yrBuilt 201313 yrs old

8% above market · regional est.

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Spruce Street Lofts presents a unique opportunity to own a piece of Galt's industrial history. This 1,691 sq. ft. updated warehouse conversion strikes a bold balance between raw materials and polished finishes, featuring striking cement floors and original brickwork under towering ceilings. The expansive open-concept layout is a centerpiece of modern function, seamlessly connecting a gourmet kitchen-boasting premium quartz countertops, modern painted cabinetry, stainless steel appliances, and an…

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Property details

MLS#: X12936286
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1600-1799
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Property features: Park, Public Transit

Condo corp #: 487
Balcony: Terrace
Locker: Exclusive
Association amenities: BBQs Allowed, Exercise Room, Party Room/Meeting Room
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Shade St
Basement: None
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Storage, Auto Garage Door Remote
Parking features: Underground

Rooms

Level	Room	Dimensions
Main	Bathroom	1.47m × 3.63m
Main	Kitchen	2.51m × 5.56m
Main	Dining Room	5.13m × 5.56m
Main	Living Room	4.67m × 5.56m
Second	Bathroom	2.51m × 2.36m
Second	Bedroom	2.77m × 5.556m
Second	Primary Bedroom	4.9m × 4.27m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: COLDWELL BANKER THE REAL ESTATE CENTRE

Source: TRREB/PROPTX · MLS® X12936286

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$649K

Unit 103 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,000✓ $4,483 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,871/mo

incl. closing costs (yr 1)

Annual total

$70,452

year 1

Mortgage only

$2,462/mo

principal + interest

Beyond mortgage

$2,163/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$374/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 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%$6,490/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)$68/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $29,545/yr

Property taxes20% $13,938/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,490/yr

Condo fees14% $9,818/yr

Closing costs7% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,545	$2,462/mo
Government & taxes
Property tax	$4,483	$374/mo
Land transfer tax(closing)	$9,455	$788/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%)	$6,490	$541/mo
Condo fees
Condo / HOA fees	$9,818	$818/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	$70,452	$5,871/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 103

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs