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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 23 daysIncreased +$100,000

    103 Chalmers Street N

    Cambridge, ON·N1R 5C1·Near Chalmers and Mcnaughton

    • 3 beds
    Cambridge real estate›X13424204
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    What makes the perfect starter home? It's usually an older home with plenty of character-offering the ideal blend of affordability, functionality, and personality. The best starter homes have been thoughtfully updated where it matters most, while still leaving room for you to add your own style and make the space truly yours. A practical layout, a welcoming atmosphere, and a backyard big enough for summer barbecues, pets, or future dreams don't hurt either. If that sounds like what you've been searching for, welcome to 103 Chalmers Street North. Move-in ready and full of potential, this charming East Galt home has already seen many of the major updates completed, including a beautifully renovated kitchen in 2018 and a lovely updated bathroom in 2021. The rest is a blank canvas, ready for your personal touches over time. Beyond the front door, you'll find yourself in one of Cambridge's most beloved neighbourhoods. Located within walking distance of downtown Galt, you'll enjoy easy access to local favourites such as the Gaslight District, Cambridge Community Players, Hamilton Family Theatre, and the historic Old Post Office. Spend your weekends exploring charming boutiques, discovering family-run bakeries, and enjoying the vibrant restaurant scene that makes Galt such a special place to call home. Cute, character-filled, and packed with potential-103 Chalmers Street North is the kind of starter home that gets you into the market today and gives you room to grow tomorrow. The only thing missing is your story.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 1, 2026Price increasedCurrentIncreased$499,900+$100,000 (25.0%)X13424204This page
    Jun 9, 2026ListedCurrentFor sale$399,900 —X13424204This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 103 Chalmers Street N
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,456
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $282
    0.68% mill rate · ON
    The market

    How this home sits in the Cambridge market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Cambridge market right now

    Average sold price, days on market, and closed-transaction count for Cambridge — sourced from MLS®.

    • Avg sold price
      $706,015
      Last 30 days
    • Median sold price
      $680,000
      Middle of the market
    • Days on market
      27 d
      Avg from list to close
    • Closed last 30d
      390
      MLS® transactions
    Full Cambridge market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 103 Chalmers Street N — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 103 Chalmers Street N and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 103 Chalmers Street N listed for?

      103 Chalmers Street N is listed at $499,900 on the MLS® (listing X13424204). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 103 Chalmers Street N have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 1 bath
  2. 700-1100 sqft
  3. Detached
  4. Asking
    $499,900
    $0 / sqft · MLS® X13424204
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $706,015
    $649,534Confidence range$762,496
    Asking vs estimate
    ↓below
    −$206,115
    (-29.2%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Cambridge sell in about 27 days — this one has been listed 23 days.

    Avg sold price
    $706,015
    Median sold
    $680,000
    Avg days on market
    27
    Recently sold
    390
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • What makes the perfect starter home?
    • The best starter homes have been thoughtfully updated where it matters most, while still leaving room for you to add your own style and make the space truly yours.
    • A practical layout, a welcoming atmosphere, and a backyard big enough for summer barbecues, pets, or future dreams don't hurt either.
    • Move-in ready and full of potential, this charming East Galt home has already seen many of the major updates completed, including a beautifully renovated kitchen in 2018 and a lovely updated bathroom in 2021.
    Ask Zara a follow-up
    Sewer
  6. Parking & garage

    3
    Garage
    None
    Parking spaces
    1
    Driveway
    Private
  7. Interior

    5
    Basement
    Partially Finished
    Family room
    N
    Kitchens
    1
    Total rooms
    2
    Laundry level
    Lower Level
  8. Exterior & construction

    4
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Pool
    None
  9. Lot & land

    1
    Zoning
    R5
  10. Listing & possession

    3
    Occupancy
    flexible
    Property style
    1 1/2 Storey
    Property class
    Detached
  11. Room-by-room · 10 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    5 rooms
    • Living Room
      15.9 × 11.8 ft
    • Bedroom 3
      12.6 × 8.7 ft
    • Kitchen
      9.6 × 14.9 ft
    • Bedroom 2
      12.6 × 8.7 ft
    • Bathroom
      8.4 × 5.0 ft

    Second level

    3 rooms
    • Utility Room
      15.5 × 3.2 ft
    • Utility Room
      3.5 × 16.0 ft
    • Primary Bedroom
      10.9 × 12.4 ft

    Basement level

    2 rooms
    • Recreation
      15.4 × 9.4 ft
    • Furnace Room
      18.7 × 10.3 ft
    Combined estimate
    $2,738
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,456
    /mo
    based on the purchase price of $499,900
    $99,980 cash
    $399,920 financed
    $336,838 total interest
    Monthly payment$2,456/ month
    Principal54%$399,920
    Interest46%$336,838

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Cambridge

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 459 Blair Road
      Sold
      Sign in for price
      459 Blair Road
      Detached
    • 518 Grand Ridge Drive
      Sold
      Sign in for price
      518 Grand Ridge Drive
      Detached
    • 27 Elizabeth Street
      Sold
      Sign in for price
      27 Elizabeth Street
      Detached
    • 265 Dolph Street
      Sold
      Sign in for price
      265 Dolph Street
      Detached
    • 87 Jordan Drive
      Sold
      Sign in for price
      87 Jordan Drive
      Detached
    • 60 Avenue Road
      Sold
      Sign in for price
      60 Avenue Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    103 Chalmers Street NThis home3 / 17,001,100$499,900ask———
    459 Blair Road3 / 42,000—
    518 Grand Ridge Drive4 / 32,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Cambridge

    Active listings within ±20% of this asking price.

    • 22 Mark Crescent
      $549,900
      22 Mark Crescent
      Detached 3 2
    • 30 Kimberly Road
      $575,000
      30 Kimberly Road
      Detached 3 2
    • 123 Norfolk Avenue
      $449,900
      123 Norfolk Avenue
      Detached 2 1
    • 11 Broadview Crescent
      $529,900
      11 Broadview Crescent
      Detached 3 1
    • 1206 Valentine Drive
      $599,000
      1206 Valentine Drive
      Detached 3 2
    • 15 Spiers Crescent
      $499,900
      15 Spiers Crescent
      Detached 4 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  12. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  13. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  14. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  15. Public listing courtesy of Benjamins Realty Inc. · displayed on Summitly per MLS® data-share rules

    103 Chalmers Street N is a 3-bedroom, 1-bath, 700-1100 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  16. When was 103 Chalmers Street N built?

    The year built for 103 Chalmers Street N isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  17. What is the property tax for 103 Chalmers Street N?

    The 'Property tax' tab in the History section shows the most recent annual tax for 103 Chalmers Street N plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  18. How much would the monthly mortgage be on 103 Chalmers Street N?

    The affordability calculator on this page shows an estimated monthly mortgage for $499,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  19. Has 103 Chalmers Street N been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 103 Chalmers Street N with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  20. What neighbourhood is 103 Chalmers Street N in?

    103 Chalmers Street N is in Cambridge, Cambridge. The 'Neighbourhood' section below links to the live Cambridge real estate hub with average sold price, days on market, and current inventory.

  21. Is Cambridge a good place to live?

    Cambridge is one of ON's actively-tracked Summitly markets. The full Cambridge real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  22. 27 Elizabeth Street
    2 / 2
    700
    —
    265 Dolph Street4 / 32,000—
    87 Jordan Drive3 / 31,100—
    60 Avenue Road3 / 21,100—