Gurvinder Nokwal REALTOR®
For Sale Condo Townhouse 27 days on market

$599,900

Est. payment $2,656/moCalculate yours

85 Spruce Street 103, Cambridge, ON N1R 4K4

Cambridge, ON N1R 4K4

  • 2 Beds
  • 2 Baths
  • 1 Garage
  • 1,600 Sq Ft
Map

Listing courtesy of RE/MAX Real Estate Centre Inc MLS® X13810620

About this home

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

Property details

Overview

Property Type
Condo Townhouse
Style
2-Storey
For
For Sale
Status
New
Approximate Age
16-30
Size
1,600 sqft

Interior

Bedrooms
2
Bathrooms
2
Kitchens
1
Total Rooms
7
Basement
None

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Brick, Concrete
Foundation
Poured Concrete
Roof
Asphalt Shingle

Lot & Parking

Parking
Underground garage · 1 total
Zoning
RM3

Financial

Property Taxes
$4,642 (2026)
Condo Fee
$818/mo
Fee Includes
Common Elements Included, Building Insurance Included, Parking Included
Pets
Yes-with Restrictions

Location

Cross Street
McNaughton St

Listing

MLS® Number
X13810620
Days on Market
27
Listed On
2026-09-21
Possession
Flexible
Listed By
RE/MAX Real Estate Centre Inc

Rooms

Room Level Dimensions
Bedroom 2 Second 18′ 3″ × 9′ 1″
Bathroom Second 7′ 9″ × 8′ 3″
Kitchen Main 18′ 3″ × 8′ 3″
Living Room Main 18′ 3″ × 15′ 4″
Bathroom Main 11′ 11″ × 4′ 10″
Primary Bedroom Second 16′ 1″ × 14′ 0″
Dining Room Main 18′ 3″ × 16′ 10″

Features

Interior

  • Auto Garage Door Remote
  • Water Softener

Property

  • Park
  • Public Transit
  • Library
  • Rec./Commun.Centre
  • School
  • Hospital

Amenities

  • BBQs Allowed
  • Exercise Room
  • Party Room/Meeting Room
Included
Dishwasher, Dryer, Refrigerator, Stove, Washer
Rental items
Hot Water Heater

Mortgage calculator

Minimum for this price: $34,990 (5.83%)

Amortization, years

Estimated mortgage payment

$2,656 per month

Principal and interest
$2,656
Property tax
$387
Condo fees
$818
Estimated monthly cost
$3,861

Your mortgage

Mortgage amount
$479,920
Mortgage insurance
Not needed
Interest over 25 years
$316,948

Cash to close

Down payment
$119,980
Land transfer tax
$8,473
Total, before legal fees
$128,453
Talk to me about financing

Estimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.

Location

85 Spruce Street 103, Cambridge, ON N1R 4K4 Cambridge, ON N1R 4K4
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$599,900 85 Spruce Street 103, Cambridge, ON N1R 4K4
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