155 Water Street S #503, Cambridge, ON N1R 3E3
Listed by Julian Sheppard • RE/MAX TWIN CITY REALTY INC.
155 Water Street S #503 , Cambridge, ON N1R 3E3
$ 449,000
Bed Rooms
2
Bath Rooms
2
SqFt
837
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Virtual Tour
50 photos
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Year Built
2015
ON MARKET
218
Property Type
Condo
Price per Sqft
$536
Car Garage
--
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
837 sqft
MLS Listing ID
40807074
Bedrooms
2
Full Baths
2
HOA Fees
$601/mo
HOA Y/N
Yes
Abv Grd Liv Area
837
Annual Tax Amount
$3,316
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
C1RM1
Rooms
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
Elevator
Heating
Forced Air
Cooling
Central Air
Fireplace
No
Appliance
Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In-Suite
Exterior
Waterfront Description
River/Stream
Roof Type
Flat
Porch
Open
Garage
No
Building
Lot Description
Urban, Arts Centre, Business Centre, Dog Park, City Lot, Greenbelt, Hospital, Landscaped, Library, Park, Place of Worship, Playground Nearby, Public Transit, Rec./Community Centre, Schools, Shopping Nearby
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
1
Structure Type
Brick,Stone
New Construction
No
Others
HOA Fee Include
Association Fee,Insurance,Maintenance Grounds,Parking,Trash,Snow Removal
Senior Community
No
Tax ID
236230082
Ownership
Condominium
Virtual Tour
https://unbranded.youriguide.com/he0qv_503_155_water_st_s_cambridge_on/
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Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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155 Water Street S #503

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