Listed for:Listed Sep 21, 2026
$599,900

Unit 103, 85 Spruce Street

Cambridge (East Galt), ON N1R 4K4

Condo Townhouse For Sale
The Spruce Street Lofts exteriorThe Spruce Street Lofts2 storeys, 27 suites, built 2009
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for Unit 103, 85 Spruce Street, Cambridge, East Galt

No listing history available

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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 Unit 103, 85 Spruce Street, Cambridge, East Galt

Summarized Description

  • Unique multi-level loft in historic factory conversion
  • Soaring ceilings and exposed brick create character
  • Modern kitchen with oversized island and S/S appliances
  • Private patio surrounded by mature greenery
  • Close to downtown Galt's amenities and parks
  • Secure underground parking for convenience
  • Office nook ideal for remote work setup
  • Bright living spaces with abundant natural light

Welcome to 103-85 Spruce St, a showstopping 2-bedroom, 2-bathroom multi-level loft offering 1691sqft of updated living space within a converted historic factory! Blending Galt's rich industrial character with contemporary finishes, this one-of-a-kind home delivers the scale, style &personality that traditional condos simply cannot match. Inside soaring ceilings, original exposed brick, polished concrete floors, wood-paneled ceilings, exposed ductwork & dramatic black accents create an effortlessly cool industrial aesthetic. Expansive multi-level design allows each space to feel distinct while maintaining an open connected flow throughout the home. Modern kitchen is an entertainer's dream with white cabinetry, quartz counters, S/S appliances, tiled backsplash & oversized island W/bar seating. Adjoining dining area offers lots of room for hosting friends & enjoying everyday meals, while a versatile office nook provides the perfect work-from-home setup without sacrificing valuable living space. Stylish 3pc bathroom completes this level. A few steps away, the impressive 2-storey living room offers towering ceilings, exposed brick & oversized windows that flood space with natural light. Upstairs the spacious primary bedroom overlooks the dramatic main living area creating a true loft-style retreat. The 2nd bedroom is tucked privately down the hall & offers access to a rare private patio surrounded by mature greenery-perfect secluded spot to enjoy morning coffee or unwind at the end of the day. Luxurious 4pc bathroom W/double vanity & tiled shower/tub completes the upper level. Secure underground parking adds everyday convenience while the building's location in a quiet residential pocket bordering a park offers a peaceful setting just mins from downtown Galt's restaurants, shops, arts venues & fitness studios. Bold, spacious & unlike anything else on the market, this is the perfect home for anyone craving authentic loft character without compromising on modern comfort

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,642
Land Transfer Tax Fee
$8,473

Condo/Maintenance Fee

Maintenance Fee
$818 /month

Included In Maintenance Fee

  • Common Elements Included
  • Building Insurance Included
  • Parking Included

Rental Items

Rental Equipment
Hot Water Heater
Under Contract
Hot Water Heater

Basement Type
None

Interior Features

Pets Permitted
Yes-with Restrictions
Laundry Features
In-Suite Laundry
Laundry Level
Upper Level
Interior Extras
Auto Garage Door Remote, Water Softener
Fireplace/Stove
No
Elevator
No

Exterior Features

Balcony
Enclosed

Building Amenities

  • BBQs Allowed
  • Exercise Room
  • Party Room/Meeting Room

Building

Building Type
Condo Townhouse
Building Style
2-Storey
Approx Age
16-30
Condo Corp Number
487

Construction

Exposure
North
Exterior Finish
Brick, Concrete
Roof
Asphalt Shingle
Foundation Details
Poured Concrete
Special Designation
Unknown

Inclusions

Inclusions
Dishwasher, Dryer, Refrigerator, Stove, Washer

Parking & Garages

Garage Type
Underground
Garage Spaces
1
Parking Type
Exclusive
Parking Spaces
0
Total Garage And Parking Spaces
1

Lockers

Locker Type
Exclusive
Locker Number
66

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air

Bedrooms
2
Washrooms
2
Kitchens
1

Room sizes

  • Bedroom 2—
    Second level
  • Bathroom—
    Second level, 4 Pc Bath
  • Kitchen—
    Main level
  • Living Room—
    Main level
  • Bathroom4.80 x 5.51
    Main level, 3 Pc Bath
  • Primary Bedroom—
    Second level
  • Dining Room—
    Main level

Washrooms

  • 4-piece, Second
  • 3-piece, Main

Area
Cambridge
Municipality
Cambridge
Neighbourhood
East Galt
Main cross streets
McNaughton St
Zoning
RM3
Directions
McNaughton St

MLS® number
X13810620
Data source
Toronto Regional Real Estate Board
Listed on
2026-09-21
Updated on
2026-10-09
Days on market
36 days
Possession type
Flexible
Co-op commission
2 + HST
Seller
Listed by
RE/MAX Real Estate Centre Inc

Home Market Value

Current home valuation for Unit 103, 85 Spruce Street, Cambridge, East Galt, Cambridge, ON. Listed for $599,900

HOMEH Estimate

?

$569,825

Estimated Sales Range

?

$450,162 - $689,488

HOMEH Estimate for Unit 103, 85 Spruce Street, Cambridge, East Galt

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$569,825Medium confidence
Based on 15 comparable properties
+ $30,075 (5%) above our estimate
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
Cambridge, ON
Minimum Down Payment Required:5.8%

5% on first $500K + 10% on $99,900 over $500K

Minimum down payment

$34,990

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$22,580$16,737$14,278$0
=Total mortgage
$587,086$556,647$524,193$479,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,866monthly$2,718monthly$2,559monthly$2,343monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$8,473

Total Land Transfer Tax

$8,473

Around this home

7/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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