3 Lockwood Street, Cambridge, ON N1P 0A5
Listed by Clare Dove • RE/MAX REAL ESTATE CENTRE INC., BROKERAGE
3 Lockwood Street , Cambridge, ON N1P 0A5
$ 1,098,000
Bed Rooms
5
Bath Rooms
4
SqFt
2,593
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Virtual Tour
50 photos
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Year Built
2009
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$423
Car Garage
1.5
Open House
Sat Jul 18, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,593 sqft
MLS Listing ID
40841680
Bedrooms
5
Full Baths
3
Half Baths
1
Abv Grd Liv Area
3,526
Annual Tax Amount
$7,697
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
R4
Direction
Water St S (HWY 24), left on Myers Rd, right on Birkinshaw Rd to Lockwood right.
Rooms
Other Rooms
Shed(s)
Basement
Full, Finished
Bedroom 2
4
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s), Ceiling Fan(s), In-law Capability
Heating
Fireplace-Gas, Forced Air
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Family Room, Gas
Fireplace
Yes
Appliance
Water Purifier, Water Softener, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Upper Level
Exterior
Exterior Feature
Landscaped, Lighting
Parking Features
Attached Garage, Garage Door Opener, Concrete
Fence
Full
Pool
In Ground
Utilities Available
Cable Available
Waterfront Description
River/Stream
Roof Type
Asphalt Shing
Porch
Patio, Porch
Lot Frontage
48.0
Lot Depth
115.2
Garage
Yes
Building
Lot Description
Urban, City Lot, Near Golf Course, Highway Access, Library, Major Highway, Park, Playground Nearby, Public Transit, Schools, Shopping Nearby, Trails
Faces
Water St S (HWY 24), left on Myers Rd, right on Birkinshaw Rd to Lockwood right.
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Brick,Stone,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
038441955
Ownership
Freehold/None
Virtual Tour
https://tours.eyefimedia.com/idx/195875
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.

Nearby Locations

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3 Lockwood Street

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Navjot Singh
Navjot Singh

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