222 Baldwin Drive, Cambridge, ON N3C 0B3
Listed by Khalid Zaffar • KINGSWAY REAL ESTATE BROKERAGE
222 Baldwin Drive , Cambridge, ON N3C 0B3
$ 899,000
Bed Rooms
5
Bath Rooms
5
SqFt
2,480
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Year Built
2009
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$362
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
2,480 sqft
MLS Listing ID
40857601
Style
Craftsman
Bedrooms
5
Full Baths
4
Half Baths
1
Abv Grd Liv Area
3,530
Annual Tax Amount
$6,631
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
14 - Hespeler
Zoning
OS1
Direction
Hespeler Rd., Guelph Ave.
Rooms
Basement
Full, Finished
Bedroom 2
4
Kitchen
2
Interior
Interior Features
Auto Garage Door Remote(s)
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplaces Type
Gas
Fireplace
Yes
Appliance
Water Softener, Dishwasher, Dryer, Refrigerator, Stove
Laundry
In Area
Exterior
Parking Features
Attached Garage, Garage Door Opener, Asphalt
Waterfront Description
Lake/Pond,River/Stream
Roof Type
Asphalt Shing
Porch
Deck, Enclosed
Lot Frontage
42.42
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Dog Park, City Lot, Hospital, Library, Major Highway, Park, Place of Worship, Playground Nearby, Public Transit, Rec./Community Centre, School Bus Route, Schools, Shopping Nearby
Faces
Hespeler Rd., Guelph Ave.
Story
3
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal, Unknown
Architectural Style
Craftsman
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Silverheights P.S
High Schools
Jacob Hespeler
Others
Senior Community
No
Tax ID
037580367
Ownership
Freehold/None
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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222 Baldwin Drive

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