$649,900 - 399 Church Street, Cambridge
Detached for Sale in Cambridge
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- MLS Number
- X13832284
- Property Type
- Detached
- Status
- active
- Days on Site
- 11
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- Cambridge
- Taxes (2025)
- $3,510
- Listing Brokerage
- KING REALTY INC.
Welcome to 399 Church St N, a fully renovated bungalow where fresh modern finishes meet the comfort and simplicity of one-level living. Set on a generous lot with impressive frontage, this home has been thoughtfully updated inside and offers a bright, welcoming layout that feels easy from the moment you walk through the door. The main floor features two comfortable bedrooms, a full bathroom, an inviting living room, and a beautifully updated kitchen that creates a natural gathering place for everyday meals, morning coffee, and time with family and friends. Downstairs, the finished lower level adds even more room to enjoy, with a spacious recreation area, third bedroom, and second full bathroom, giving you the flexibility for guests, a home office, playroom, or additional family space. An attached single-car garage provides the everyday convenience of covered parking along with additional storage. Outside, the wide frontage and spacious lot give the property a great presence from the street while offering plenty of outdoor space to make your own. Whether you're starting out, downsizing, or simply looking for a move-in-ready home with a practical layout and room to enjoy, 399 Church St N brings together the charm of bungalow living with the benefit of a completely refreshed interior.
Estimate your monthly payments for this property
Estimated Payment
$3,334.32/mo
Includes CMHC insurance ($18,132)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Cambridge
Cambridge is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Cambridge
- •Convenient location in Cambridge
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Cambridge offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
399 Church Street, Cambridge
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Fair Market Value
At $928/sqft, this property is priced in line with current Cambridge market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Detached Home Advantages
Detached homes in Cambridge are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Efficient Living
At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
Investment Perspective
Looking at this as an investment: Cambridge properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $2,708 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.