148 Carolinian Lane, Cambridge, ON N1S 5B8
Listed by Kristen Dyer • R.W. Dyer Realty Inc., Brokerage
148 Carolinian Lane , Cambridge, ON N1S 5B8
$ 879,000
Bed Rooms
4
Bath Rooms
3
SqFt
2,241
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Virtual Tour
49 photos
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Year Built
2003
ON MARKET
2
Property Type
Single Family Home
Price per Sqft
$392
Car Garage
2.0
Open House
Sat Oct 17, 2:00pm - 4:00pm
Sun Oct 18, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,241 sqft
MLS Listing ID
40869527
Style
Traditional
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,241
Annual Tax Amount
$7,500
Lot Size
6,185 Sqft
Acres
0.142
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
11 - Galt West
Zoning
R1
Direction
West River Road to Carolinian Lane
Rooms
Other Rooms
Shed(s)
Basement
Full, Unfinished, Sump Pump
Bedroom 2
4
Kitchen
1
Interior
Interior Features
Central Vacuum, Floor Drains, Rough-in Bath
Heating
Forced Air, Natural Gas, Radiant Floor
Cooling
Central Air
Fireplaces Number
1
Fireplaces Type
Family Room, Gas
Fireplace
Yes
Window Features
Window Coverings,Skylight(s)
Appliance
Water Heater, Water Purifier, Water Softener, Dishwasher, Dryer, Freezer, Gas Stove, Range Hood, Refrigerator, Washer
Laundry
Electric Dryer Hookup, Gas Dryer Hookup, Main Level, Sink, Washer Hookup
Exterior
Parking Features
Attached Garage, Interlock
Fence
Fence - Partial
Roof Type
Asphalt Shing
Porch
Deck, Porch
Lot Frontage
49.21
Lot Depth
127.94
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Arts Centre, City Lot, Library, Playground Nearby, Public Transit, Quiet Area, Schools, Shopping Nearby, Trails
Faces
West River Road to Carolinian Lane
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Traditional
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Tait (Jk-6), Andrews (7-8), St. Augustine (Jk-8), Saint-Noel-Chabanel (Jk-6)
High Schools
Southwood 9-12, Monsignor Doyle 9-12, Rene-De-Galinee (7-12)
Others
Senior Community
No
Tax ID
038280441
Ownership
Freehold/None
Virtual Tour
https://view.spiro.media/order/fe969e6a-07b4-47dd-721e-08df1eeb31ec?version=66_139&branding=false
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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148 Carolinian Lane

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Navjot Singh
Navjot Singh

REALTOR® License ID: 5027745

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

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