
40 Elgin Street N
Cambridge, ON N1R 5G9
- 2+1Bedrooms
- 2Bathrooms
- 3Garage
- 700–1100Sq Ft
- $3,413Tax
- 58×138 ftLot Size
- Estimated Value:$513,000See Free Estimate Report

This home has sold. It is no longer available.
Property not available for sale or for rent.
Sale & Price History for 40 Elgin Street N, Cambridge
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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.
About 40 Elgin Street N, Cambridge
Charming Opportunity in Central Cambridge -Welcome to 40 Elgin Street North, a Bungalow offering versatile living space for investors, multi-generational families, or savvy buyers looking to offset their mortgage. Located in the heart of Cambridge, this property blends convenience, functionality, and income potential in a desirable and walkable neighborhood.Thoughtfully Designed Main Floor Living The main level features a bright and spacious 2-bedroom layout with a large open-concept living and dining area finished in stylish laminate flooring and filled with natural light from oversized windows. The kitchen offers practical tile flooring, white appliances, and ample cabinet space ideal for home-cooked meals or entertaining guests. A 4-piece bathroom with a window and tiled floor adds both function and comfort.Each bedroom is generously sized with laminate flooring, closets, and large windows perfect for restful retreats or working from home. The main foyer includes a convenient closet for coats and storage.Self-Contained Basement SuiteThe lower level includes a private in-law suite with its own kitchen, 3-piece bathroom, and a versatile den/bedroom space featuring vinyl flooring, a closet, and a window. The kitchen is combined with a living/sleeping area and equipped with a white fridge and stove, making it ideal for extended family or rental income. Laundry is shared between units for added convenience.Unbeatable Central Location Nestled in the Galt neighborhood, this home offers easy access to everything Cambridge has to offer. Enjoy walking distance to downtown Galt, Soper Park, Cambridge Memorial Hospital, and local schools. The property is also just minutes to highways 8and 24, public transit, and the Grand River trails making commuting and leisure a breeze.Whether you're looking to live in one unit and rent the other, house extended family, or expand your investment portfolio, 40Elgin St N offers exceptional value in a central location.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,413
- Land Transfer Tax Fee
- $7,255
Rental Items
- Rental Equipment
- ALL RENTAL ITEMS
- Basement Type
- Apartment, Separate Entrance
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Accessory Apartment
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Public Transit
Building
- Building Type
- Detached
- Building Style
- Bungalow
- Approx Age
- 51-99
Construction
- Exterior Finish
- Brick, Concrete Block
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 57.90 ft
- Lot Depth
- 137.65 ft
- Lot Size
- 7976.05
- Lot Shape
- Irregular
Exclusions
- Exclusions
- All tenants belongings
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 3
- Parking Spaces
- 3
- Total Garage And Parking Spaces
- 3
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 2 + 1
- Washrooms
- 2
- Kitchens
- 2
Room sizes
- Kitchen—Main level, Tile Floor, Window
- Bathroom—Main level, Tile Floor, Window, 4 Pc Bath
- Primary Bedroom—Main level, Laminate, Closet, Window
- Bedroom 2—Main level, Laminate, Closet, W/O To Patio
- Living Room—Main level, Laminate, Large Window, Combined w/Dining
- Dining Room—Main level, Laminate, Large Window, Combined w/Living
- Laundry—Basement level
- Kitchen—Basement level, Tile Floor, Window, Open Concept
- Living Room—Basement level, Vinyl Floor, Open Concept
- Bathroom—Basement level, Tile Floor, 3 Pc Bath, Window
- Bedroom—Basement level, Vinyl Floor, Window, Closet
Washrooms
- 4-piece, Main
- 3-piece, Basement
- Municipality
- Cambridge
- Main cross streets
- Dundas St N and Elgin St N
- Zoning
- R5
- Directions
- Dundas St N and Elgin St N
- MLS® number
- X12231645
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2025-10-31
- Listed on
- 2025-06-19
- Days on market
- 134 days
- Possession type
- Immediate
- Co-op commission
- 2.0% Plus HST
- Seller
- Listed by
- CITYSCAPE REAL ESTATE LTD.
Home Market Value
Current home valuation for 40 Elgin Street N, Cambridge, , . Listed for $539,000
HOMEH Estimate
$513,000
Estimated Sales Range
$405,270 - $620,730
HOMEH Estimate for 40 Elgin Street N, Cambridge
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $39,000 over $500K
$28,900
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $20,396 | $15,038 | $12,828 | $0 |
=Total mortgage | $530,290 | $500,138 | $470,978 | $431,200 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,589monthly | $2,442monthly | $2,300monthly | $2,105monthly |
Land Transfer Tax
$7,255
$7,255
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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