136 Carpenter Road, Cambridge, ON N1P 1J4
Listed by Rickey Bartlett • RED AND WHITE REALTY INC.
136 Carpenter Road , Cambridge, ON N1P 1J4
$ 849,000
Bed Rooms
4
Bath Rooms
3
SqFt
2,128
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Virtual Tour
46 photos
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Year Built
2006
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$398
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,128 sqft
MLS Listing ID
40835989
Style
Traditional
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,128
Annual Tax Amount
$5,841
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
R5
Direction
CHEESE FACTORY RD/GATEHOUSE/FRANKLIN BLVD
Rooms
Other Rooms
Shed(s)
Basement
Full, Unfinished
Bedroom 2
4
Kitchen
1
Interior
Heating
Forced Air, Natural Gas, Gas Hot Water
Cooling
Central Air
Fireplaces Type
Gas
Fireplace
Yes
Appliance
Water Heater, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Main Level
Exterior
Exterior Feature
Backs on Greenbelt
Parking Features
Attached Garage, Asphalt
Garage Description
2
Roof Type
Asphalt Shing
Lot Frontage
43.96
Lot Depth
98.43
Garage
Yes
Building
Lot Description
Urban, Park
Faces
CHEESE FACTORY RD/GATEHOUSE/FRANKLIN BLVD
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
226801137
Ownership
Freehold/None
Virtual Tour
https://paulreibelphotography.hd.pics/136-Carpenter-Rd/idx
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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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136 Carpenter Road

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