26 Richardson Street, Cambridge, ON N1S 2P3
Listed by Adam Patel • RE/MAX TWIN CITY REALTY INC.
26 Richardson Street , Cambridge, ON N1S 2P3
$ 399,999
Bed Rooms
3
Bath Rooms
3
SqFt
1,185
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Virtual Tour
48 photos
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Year Built
--
ON MARKET
16
Property Type
Single Family Home
Price per Sqft
$337
Car Garage
--
Property Details
Key Details
Sub Type
Single Family Residence
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,185 sqft
MLS Listing ID
40867976
Style
Traditional
Bedrooms
3
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,185
Annual Tax Amount
$2,941
Property Sub-Type
Single Family Residence
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
11 - Galt West
Zoning
(F)RS1RM4
Direction
Cedar St to Richardson St
Rooms
Basement
Full, Partially Finished
Bedroom 2
3
Kitchen
1
Interior
Heating
Natural Gas
Cooling
None
Fireplace
No
Appliance
Water Heater Owned, Built-in Microwave, Dishwasher, Dryer, Hot Water Tank Owned, Range Hood, Refrigerator, Stove, Washer
Exterior
Parking Features
Mutual/Shared, Other
Waterfront Description
River/Stream
Roof Type
Shingle
Lot Frontage
26.07
Garage
No
Building
Lot Description
Urban, Irregular Lot, City Lot, Library, Place of Worship, Public Transit, Shopping Nearby
Faces
Cedar St to Richardson St
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
038330087
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/26_richardson_street_cambridge_on/
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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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26 Richardson Street

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