$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
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
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
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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $128,453
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates 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
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