113 First Avenue W, Cambridge, ON N1S 2B5
Listed by Mary Mcmurran • Real Broker Ontario Ltd.
113 First Avenue W , Cambridge, ON N1S 2B5
$ 499,999
Bed Rooms
3
Bath Rooms
2
SqFt
975
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Virtual Tour
30 photos
Highlight
Year Built
1971
ON MARKET
1
Property Type
Single Family Home
Price per Sqft
$512
Car Garage
1.0
Open House
Sun Oct 18, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
975 sqft
MLS Listing ID
40870183
Style
Bungalow
Bedrooms
3
Full Baths
2
Abv Grd Liv Area
1,399
Annual Tax Amount
$4,089
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
11 - Galt West
Zoning
R5
Direction
From St. Andrew's Street turn left onto Borden then right onto First Avenue.
Rooms
Other Rooms
Shed(s)
Basement
Full, Partially Finished
Main Level Bedrooms
3
Kitchen
1
Interior
Interior Features
In-law Capability
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Window Features
Window Coverings
Appliance
Refrigerator, Stove
Exterior
Parking Features
Detached Garage, Garage Door Opener
Fence
Fence - Partial
Roof Type
Asphalt Shing
Lot Frontage
40.11
Lot Depth
115.28
Garage
Yes
Building
Lot Description
Urban, Rectangular, City Lot, Highway Access, Hospital, Landscaped, Library
Faces
From St. Andrew's Street turn left onto Borden then right onto First Avenue.
Story
1
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Bungalow
Level or Stories
1
Structure Type
Brick
New Construction
No
Others
Senior Community
No
Tax ID
226690070
Ownership
Freehold/None
Virtual Tour
https://tours.eyefimedia.com/idx/340867
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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113 First Avenue W

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