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872 ELGIN Street

872 ELGIN Street

Cambridge

3 bed • Single Family

$499,900

There’s something special about finding a home that feels right the moment you walk in and this one delivers exactly that. Located in North Galt, 872 Elgin St N. is a thoughtfully updated 2-story semi-detached home that offers 1,067 sq. ft. above grade plus an additional 213 sq. ft. of finished lower-level living space. It’s an affordable home that balances comfort, function, and the opportunity of home ownership. The main floor is designed for everyday living, featuring a bright and inviting living room at the front of the home, highlighted by a large bay window that fills the space with natural light. Toward the back, the updated kitchen (done in 2016 (fridge 2024)) and dining area come together seamlessly, offering ample storage, ease and flow. A sliding patio door (2022) extends your living space outdoors, leading directly to the fully fenced backyard (2020). Upstairs, you’ll find three (3) spacious bedrooms, each offering great closet storage and flexibility for families, guests, or a home office. There is also a newly renovated 4-piece bathroom (2021) that completes the second level. The finished lower level adds valuable versatility with a cozy recreation room, bar area, 3-piece bathroom and laundry (new washer & dryer 2023). The furnace and A/C were both replaced in 2025 (owned), new windows throughout (2022), and asphalt roof shingles (2009) and eavestrough (2024) . Step outside to the backyard designed for both privacy and enjoyment. The large deck is perfect for summer BBQs and gatherings, while mature trees create a peaceful setting. A fully insulated detached garage, located within the fenced yard, adds year-round functionality for parking, storage, or workshop use. Located in a central and established neighbourhood, you’re close to schools, parks, shopping, and major routes, making day-to-day living convenient and connected.

Price History

Schools

Elementary

  • Christ The King Catholic Elementary School0.3 km

    Catholic · Waterloo CDSB · 235 students

    Grade 3 reading: 65% met the provincial standard · Grade 6 math: 34% met the provincial standard

  • Elgin Street Public School0.6 km

    Public · Waterloo Region DSB · 420 students

    Grade 3 reading: 64% met the provincial standard · Grade 6 math: 46% met the provincial standard

  • St Margaret Catholic Elementary School1 km

    Catholic · Waterloo CDSB · 315 students

    Grade 3 reading: 69% met the provincial standard · Grade 6 math: 43% met the provincial standard

Secondary

  • St Benedict Catholic Secondary School0.8 km

    Catholic · Waterloo CDSB · 1955 students

    Grade 10 literacy: 90% met the provincial standard

  • Galt Collegiate and Vocational Institute2.5 km

    Public · Waterloo Region DSB · 960 students

    Grade 10 literacy: 83% met the provincial standard

  • Jacob Hespeler Secondary School3.1 km

    Public · Waterloo Region DSB · 1070 students

    Grade 10 literacy: 83% met the provincial standard

Straight-line distance. Nearby schools are not necessarily the assigned schools — confirm catchment with the school board. Scores are EQAO provincial test results for 2024-2025.

Community

Postal area N1R

Population
42,928
Private dwellings
18,081
Median age
40.8
Average household size
2.5
Median household income
$77,000

Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.

Local market

Single Family in Cambridge · last 12 months

Median sold price
$675,000
Homes sold
1,253
Median days on market
19
Sale-to-list price
100.6%

Based on 1,253 recorded sales of single family properties in Cambridge over the last 12 months.

Location

Mortgage Calculator

$99,980

Estimated Monthly Payment

$2,456

Investment Analysis

No recent nearby lease data. Enter a rent to see the numbers.

Mortgage: $2,456/mo (20% down, 5.5%)

Taxes: $0/mo · Insurance: $125/mo

Estimates only. Consult a financial advisor.

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