15 Shade Street, Cambridge

$575,000
15 Shade Street

$575,000

New
25d
Detached2-Storey

15 Shade Street, Cambridge

Total Monthly Obligation $2,972

HausQ Valuation Report
Beds
4
Baths
3
Park
2
Sqft
1500-2000
DOM
25d
Score
22
Yield
5.7%
Cash on Cash
0.4%
Cap Rate
4.7%
5Y IRR
15.9%
10Y IRR
14.9%
Property Type-Detached
MLS® Number-X13835544
Beds-4
Bathrooms-3
Size-1500-2000 sqft
Lot Size-89.7 × 50.5 ft
Listed on site-Sep 28, 2026
Style-2-Storey
Building Type-Detached
Taxes-$3,326.8 (2025)
Parking-3 - Carport
Basement-Separate Entrance, Finished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE VISION REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick
Roof-Shingles
Foundation-Stone, Concrete
Sewer-Sewer
Possession-flex
Title-Residential Freehold

No agent assigned

Imagine mornings on Main Street, coffee in hand, downtown Galt's heritage streetscape waking up around you: this is the life this home puts at your doorstep. Beautifully renovated top to bottom, this 3-bedroom, 3-bathroom brick two-storey pairs timeless character with brand-new comfort, from a fresh 2026 kitchen built for gathering to updated washrooms and a new roof and fascia overhead. Climb to the finished attic and find the space you've been missing, whether that's a home office, a studio, or a quiet retreat all your own. Three parking spots in the downtown core is a rarity worth celebrating on its own. Walk to the Grand River, the Gaslight District's restaurants and nightlife, and everything Main Street has to offer, with an elementary school just 5 minutes away for downtown living without giving up on community. A 96 Walk Score says it best: leave the car behind and start living where the city comes alive.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$460,000
Land Transfer Taxes$7,975
Legal Fees (Est.)
$
Total cash required for closing$124,475

Total Monthly Obligation

$2,972/mo
Mortgage $2,319
Monthly Loss $2,361
Principal$610
Interest$1,709
Property Tax$277
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.8%25
Cash-on-Cash
-5.1%2
5-Year IRR
11.6%47
10-Year IRR
11.9%
Returns Index
24.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$32,664/yr
NOI
$21,571/yr
Net Cash Flow
-$522/mo
Cash Margin
-19.2%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7813
LTV Ratio
80.0%18
Vacancy Buffer
3.2 mo54
Risk Index
28.5/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 15 Shade Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.