223 Water Street N, Cambridge, ON N1R 3B9
Listed by Clare Dejong • RE/MAX REAL ESTATE CENTRE INC.
223 Water Street N , Cambridge, ON N1R 3B9
$ 499,900
Bed Rooms
4
Bath Rooms
3
SqFt
1,618
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Virtual Tour
22 photos
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Year Built
--
ON MARKET
3
Property Type
Single Family Home
Price per Sqft
$308
Car Garage
--
Open House
Sat Oct 17, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,618 sqft
MLS Listing ID
40868428
Style
Traditional
Bedrooms
4
Full Baths
3
Abv Grd Liv Area
1,618
Annual Tax Amount
$3,782
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
13 - Galt North
Zoning
R-5
Direction
DANDO
Rooms
Basement
Partial, Partially Finished
Main Level Bedrooms
2
Bedroom 2
2
Kitchen
2
Interior
Interior Features
Accessory Apartment, In-law Capability, In-Law Floorplan
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Dryer, Refrigerator, Stove, Washer
Exterior
Exterior Feature
Privacy, Private Entrance
Waterfront Description
River/Stream
Roof Type
Asphalt Shing
Porch
Deck, Patio, Porch
Lot Frontage
33.0
Garage
No
Building
Lot Description
Urban, Ample Parking, City Lot, Greenbelt, Hospital, Library, Major Anchor, Major Highway, Park, Place of Worship, Public Parking, Public Transit, Rec./Community Centre, Trails
Faces
DANDO
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick
New Construction
No
Others
Senior Community
No
Tax ID
038070019
Ownership
Freehold/None
Virtual Tour
https://rem.ax/4zsuPBo
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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223 Water Street N

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Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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