35 Shade Street, Cambridge, ON N1R 4J6
Listed by Kathy Long • RE/MAX TWIN CITY REALTY INC.
35 Shade Street , Cambridge, ON N1R 4J6
$ 469,999
Bed Rooms
3
Bath Rooms
2
SqFt
1,446
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Virtual Tour
38 photos
Highlight
Year Built
1974
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$325
Car Garage
--
Property Details
Key Details
Sub Type
Single Family Residence
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,446 sqft
MLS Listing ID
40842874
Bedrooms
3
Full Baths
2
Abv Grd Liv Area
1,446
Annual Tax Amount
$2,691
Lot Size
3,484 Sqft
Acres
0.08
Property Sub-Type
Single Family Residence
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
R5 (CO)
Rooms
Other Rooms
Shed(s)
Basement
Partial, Partially Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
None
Heating
Forced Air, Natural Gas
Cooling
Other
Fireplace
No
Appliance
Dishwasher, Dryer, Microwave, Refrigerator, Stove, Washer
Laundry
Main Level
Exterior
Roof Type
Asphalt Shing
Lot Frontage
32.64
Lot Depth
112.13
Garage
No
Building
Lot Description
Urban, Ample Parking, City Lot, Library, Place of Worship, Playground Nearby, Public Parking, Public Transit, Rec./Community Centre, Schools
Story
2
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Aluminum Siding
New Construction
No
Others
Senior Community
No
Tax ID
038170034
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/cnaa5_35_shade_st_cambridge_on/
Copyright 2026 Information Technology Systems Ontario, Inc.
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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35 Shade Street

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