65 Oak Street, Cambridge, ON N1R 4L1
Listed by Ruth Warner • R.W. Dyer Realty Inc., Brokerage
65 Oak Street , Cambridge, ON N1R 4L1
$ 689,000
Bed Rooms
3
Bath Rooms
2
SqFt
1,289
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Virtual Tour
50 photos
Highlight
Year Built
1888
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$534
Car Garage
1.0
Open House
Sun Jul 19, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,289 sqft
MLS Listing ID
40842288
Bedrooms
3
Full Baths
1
Half Baths
1
Abv Grd Liv Area
1,289
Annual Tax Amount
$4,838
Lot Size
0.251 Acres
Acres
0.251
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
R4
Direction
Oak Street between McNaughton and Cumming Ave
Rooms
Basement
Full, Unfinished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Floor Drains, Upgraded Insulation
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Gas
Fireplace
Yes
Window Features
Window Coverings
Appliance
Dryer, Refrigerator, Stove, Washer
Laundry
In Basement
Exterior
Exterior Feature
Privacy, Private Entrance
Parking Features
Detached Garage, Asphalt, Tandem
Fence
Full
View Y/N
true
View
Garden
Roof Type
Asphalt Shing
Porch
Patio, Porch, Enclosed
Lot Frontage
66.12
Lot Depth
165.3
Garage
Yes
Building
Lot Description
Urban, Arts Centre, City Lot, Hospital, Library, Park, Place of Worship, Playground Nearby, Public Transit, Quiet Area, Rec./Community Centre, Schools, Shopping Nearby, Trails
Faces
Oak Street between McNaughton and Cumming Ave
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
1
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Central Jk-6, Stewart 7-8, St. Anne Jk-8, Saint-Noël-Chabanel Jk-8
High Schools
Glenview 9-12, Monsignor Doyle 9-12, René-De-Galinée 7-12
Others
Senior Community
No
Tax ID
038180131
Ownership
Freehold/None
Virtual Tour
https://www.youtube.com/watch?v=QRlE70k6iRs
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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65 Oak Street

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Navjot Singh

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