$679,000 - 66 St Andrews Street, Cambridge
Townhouse for Sale in Cambridge
- MLS Number
- X13142020
- Property Type
- Townhouse
- Status
- active
- Days on Site
- 25
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- Cambridge
- Listing Brokerage
- Forest Hill Real Estate Inc.
Some homes are built. This one was born. Standing since 1885, 66 St Andrews is one of only eight of its kind - a rare red brick FREEHOLD townhome planted in the heart of historic West Galt, one of the most sought-after neighbourhoods in the region. One hundred and forty years of history, and it has never looked better. The main floor opens into a bright, open-concept kitchen, dining, and living space with 9 ft ceilings, hardwood floors, exposed brick and ductwork - honest, beautiful bones that new builds spend a fortune trying to imitate. Upstairs, three spacious bedrooms, a clawfoot tub, and original baseboards and trim. Untouched. Irreplaceable. Out back, a deck, private parking, and direct access to St Andrews Park. Steps to top-rated schools, the Hamilton Family Theatre, the Gaslight district, and the best restaurants and shops downtown Galt has to offer. The Grand River trails are at your doorstep. One of eight. One of a kind. Don't miss your shot.
Estimate your monthly payments for this property
Estimated Payment
$3,483.62/mo
Includes CMHC insurance ($18,944)
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.
66 St Andrews 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 $617/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.
Market Position
At 25 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
Townhouse Benefits
Townhouses offer an excellent balance of space and maintenance. You get more room than a condo with lower upkeep than a detached home. Key things to verify: whether it's freehold or condo-titled (affects fees and rules), and the condition of shared walls for noise considerations. Townhouses in Cambridge have shown strong appreciation as families seek more space.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
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 $2,829 (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.