Gurvinder Nokwal REALTOR®
For Sale Detached 55 days on market

$649,900 ↓ $50,000 from $699,900

Est. payment $2,878/moCalculate yours

654 Duke Street, Cambridge, ON N3H 3T5

Cambridge, ON N3H 3T5

  • 2 Beds
  • 3 Baths
  • 1,100 Sq Ft

Listing courtesy of iCloud Realty Ltd. MLS® X13708178

About this home

GREAT IN-LAW AND INVESTMENT POTENTIAL IN A PRIME CAMBRIDGE LOCATION! Situated on a large lot, this well-maintained and versatile R5(CO)-zoned property offers a rare opportunity for multigenerational families, owner-occupiers and investors. The separate main level, with its own private entrance, kitchen and bathroom, is ideally suited to an in-law or nanny suite, allowing the family to live independently under the same roof while staying close. Live in the bright two-bedroom upper residence and enjoy the spacious deck and private garden while using or renting the main level, or rent the upper apartment, which has historically generated between $1,800 and $2,000+ per month in rental income, and explore converting the main floor into an additional apartment, subject to applicable zoning and municipal approvals. The flexible layout also supports combining residential living with permitted professional use, and the main level may be reconfigured into a spacious open-concept great room, main floor bedroom and family living space. Historically fully rented, the property offers established income potential, ample parking for at least three vehicles and convenient public parking next door. With its desirable location, generous lot, adaptable floor plan, and potential for multiple living spaces, 654 Duke Street offers a rare opportunity to house a family, generate rental income, offset ownership costs, and build long-term value.

Property details

Overview

Property Type
Detached
Style
2-Storey
For
For Sale
Status
Price Change
Size
1,100 sqft

Interior

Bedrooms
2
Bathrooms
3
Kitchens
1
Basement
Full

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Aluminum Siding
Foundation
Stone
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
66 x 115 Feet
Parking
None garage · 3 total

Financial

Property Taxes
$3,773 (2025)

Location

Cross Street
King St. & Westminster
Direction Faces
South

Listing

MLS® Number
X13708178
Days on Market
55
Listed On
2026-08-24
Possession
Flexible
Listed By
iCloud Realty Ltd.

Rooms

Room Level Dimensions
Office Main 8′ 7″ × 10′ 6″
Office Main 8′ 7″ × 7′ 5″
Bedroom Second 12′ 2″ × 8′ 11″
Office Main 12′ 3″ × 9′ 0″
Bedroom Second 12′ 5″ × 12′ 2″
Foyer Main 4′ 9″ × 11′ 11″
Kitchen Main 15′ 11″ × 16′ 2″
Office Main 9′ 1″ × 7′ 3″
Bathroom Main 4′ 2″ × 7′ 1″
Bathroom Second 12′ 5″ × 6′ 4″
Bathroom Main 5′ 1″ × 7′ 3″

Features

Interior

  • Carpet Free

Pool

  • None
Included
Stove, Refrigerator, Washer & Dryer

Mortgage calculator

Minimum for this price: $39,990 (6.15%)

Amortization, years

Estimated mortgage payment

$2,878 per month

Principal and interest
$2,878
Property tax
$314
Estimated monthly cost
$3,192

Your mortgage

Mortgage amount
$519,920
Mortgage insurance
Not needed
Interest over 25 years
$343,365

Cash to close

Down payment
$129,980
Land transfer tax
$9,473
Total, before legal fees
$139,453
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

654 Duke Street, Cambridge, ON N3H 3T5 Cambridge, ON N3H 3T5
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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).

$649,900 654 Duke Street, Cambridge, ON N3H 3T5
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