$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
Features
Interior
- Carpet Free
Pool
- None
- Included
- Stove, Refrigerator, Washer & Dryer
Mortgage calculator
Estimated mortgage payment
$2,878 per month
- Principal and interest
- $2,878
- Property tax
- $314
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $139,453
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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