$675,000 - 35 Francis Street, Cambridge
Detached for Sale in Cambridge
101 days on market- MLS Number
- X12869122
- Property Type
- Detached
- Status
- active
- Days on Site
- 101
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- Cambridge
- Listing Brokerage
- PG DIRECT REALTY LTD.
Visit REALTOR website for additional information.Welcome to 35 Francis Street in the highly desirable West Galt area. This spacious red brick home has seen extensive updates and offers plenty of room for comfortable family living.The home features four bedrooms, two full bathrooms, and a finished basement. The main level includes an updated kitchen that opens to the living room, creating a bright and welcoming space. Down the hall you' 11 find a formal dining area, an updated three-piece bathroom, a cozy family room, and a walk-out to a large covered deck perfect for relaxing or entertaining. Upstairs offers four bedrooms and a refreshed four-piece bathroom.Outside, the large concrete driveway provides ample parking, while the fully fenced yard offers privacy with mature trees and no rear neighbours, as the property backs onto the Hancock Park & Pool area. The location is ideal-just steps from schools and a short walk to historic downtown Galt for dining, shopping, and scenic riverfront walks.The rear of the property is accessed through deeded access to the laneway west of the home.Recent upgrades include new attic insulation, vinyl windows, and a high-efficiency water softener (2020); a Navien high-efficiency condensing combi-boiler, Bosch dishwasher, mini-split heat pump system, and backyard firepit (2021); kitchen and main floor bathroom renovations (2022); electric fireplace (2023); foundation crack repairs (2024); major main floor updates, tree trimming, reverse osmosis system, and new 35-year roof (2025); plus refreshed upstairs office, bathrooms, and basement in 2026.
Estimate your monthly payments for this property
Estimated Payment
$3,463.10/mo
Includes CMHC insurance ($18,833)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Cambridge
Cambridge is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Cambridge
- •Convenient location in Cambridge
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Cambridge offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
35 Francis Street, Cambridge
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $450/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Negotiation Opportunity
At 101 days on site, this property has exceeded the typical selling timeline for Cambridge. This creates leverage for buyers. The seller may be motivated by carrying costs, life circumstances, or previous deals falling through. I'd recommend a strategic offer below asking with terms that favour you.
Detached Home Advantages
Detached homes in Cambridge are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to Cambridge. Good resale value as demand remains consistent.
Investment Perspective
Looking at this as an investment: Cambridge properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $2,813 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.