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For saleListed 19 days agoMLS® X13810620

103 - 85 Spruce Street, Cambridge, ON N1R 4K4

Cambridge · Near McNaughton St · View map

$599,900
2Beds
2Baths
1600–1799Sq ft
Condo TownhouseType
$818/moMaint. fee
1 totalParking
ExclusiveLocker
$4,642/yrTaxes
Call / Text Will
$599,900
Parking includedUnderground garage
Locker includedExtra storage, exclusive
Enclosed balconyYour own outdoor space
Gym in the buildingSkip the membership
Ensuite laundryWasher and dryer in the unit
Pets allowedWith building restrictions

About this home

Welcome to 103-85 Spruce St, a showstopping 2-bedroom, 2-bathroom multi-level loft offering 1691sqft of updated living space within a converted historic factory! Blending Galt's rich industrial character with contemporary finishes, this one-of-a-kind home delivers the scale, style &personality that traditional condos simply cannot match. Inside soaring ceilings, original exposed brick, polished concrete floors, wood-paneled ceilings, exposed ductwork & dramatic black accents create an effortlessly cool industrial aesthetic. Expansive multi-level design allows each space to feel distinct while maintaining an open connected flow throughout the home. Modern kitchen is an entertainer's dream with white cabinetry, quartz counters, S/S appliances, tiled backsplash & oversized island W/bar seating. Adjoining dining area offers lots of room for hosting friends & enjoying everyday meals, while a versatile office nook provides the perfect work-from-home setup without sacrificing valuable living space. Stylish 3pc bathroom completes this level. A few steps away, the impressive 2-storey living room offers towering ceilings, exposed brick & oversized windows that flood space with natural light. Upstairs the spacious primary bedroom overlooks the dramatic main living area creating a true loft-style retreat. The 2nd bedroom is tucked privately down the hall & offers access to a rare private patio surrounded by mature greenery-perfect secluded spot to enjoy morning coffee or unwind at the end of the day. Luxurious 4pc bathroom W/double vanity & tiled shower/tub completes the upper level. Secure underground parking adds everyday convenience while the building's location in a quiet residential pocket bordering a park offers a peaceful setting just mins from downtown Galt's restaurants, shops, arts venues & fitness studios. Bold, spacious & unlike anything else on the market, this is the perfect home for anyone craving authentic loft character without compromising on modern comfort

The home

Type
Condo Townhouse · 2-Storey
Square footage
1600-1799 sq ft
Bedrooms
2
Bathrooms
2
Kitchens
1
Rooms
7
Floor
1st
Exposure
North
Balcony
Enclosed
Laundry
In-Suite Laundry
Approximate age
16-30 years

Building & fees

Maintenance fee
$818.20/mo
Fee includes
Common Elements, Building Insurance, Parking
Condo corporation
WSCP 487
Property management
Trevarren Property Mgmt
Pets
Allowed, with restrictions
Locker
Exclusive
Exterior
Brick, Concrete

Heating & cooling

Heating fuel
Gas
Heating type
Forced Air
Air conditioning
Central Air
Fireplace
No

Parking

Parking spaces
1
Garage
Underground
Parking features
Underground

Taxes & other

Property taxes
$4,642/yr
Tax year
2026
Occupancy
Owner
Possession
Flexible
Cross street
McNaughton St

More

Price per sq ft
~$353 (at 1,700 sq ft)
Listed
Sep 21, 2026 · 19 days ago
MLS® number
X13810620

Building amenities

  • BBQs Allowed
  • Exercise Room
  • Party Room/Meeting Room

Included in the maintenance fee

  • Common Elements
  • Building Insurance
  • Parking

The unit and its surroundings

  • Auto Garage Door Remote
  • Water Softener
  • Park
  • Public Transit
  • Library
  • Rec./Commun.Centre
  • School
  • Hospital
Want to know something that isn’t listed?
Estimated monthly cost$3,625per month, all in
  • Mortgage
  • Property tax
  • Maintenance fee

Cash needed to close

    Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.

    Know exactly what you can affordRun your own numbers with our mortgage and land transfer tax calculators.
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    85 Spruce Street, Cambridge, ON N1R 4K4

    Cambridge · Near McNaughton St

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    Sold history

    Listing history for 85 Spruce Street

    See what this unit and others in the building were listed for, what they sold for, and how long it took.

    Sold prices are for members. It’s free, takes a few seconds, and unlocks the sale history on every condo.

    Questions & answers

    Frequently asked questions about 103 - 85 Spruce Street

    Answers come straight from this condo’s MLS® listing.

    How much is 103 - 85 Spruce Street listed for?

    103 - 85 Spruce Street is listed for $599,900. With 20% down ($119,980), the mortgage payment would be roughly $2,420 a month at 4.5% over 30 years, before the maintenance fee and property tax. That figure is an illustration, not a quote.

    How many bedrooms and bathrooms does 103 - 85 Spruce Street have?

    103 - 85 Spruce Street has 2 bedrooms and 2 bathrooms.

    How big is 103 - 85 Spruce Street?

    The listing puts the unit between 1,600 and 1,799 sq ft. The board reports a range rather than an exact figure, and it does not include a balcony or terrace.

    What type of home is 103 - 85 Spruce Street?

    103 - 85 Spruce Street is a condo townhouse in Cambridge. The unit is on the 1st floor, facing north.

    What are the maintenance fees at 103 - 85 Spruce Street, and what do they cover?

    The maintenance fee is $818.20 a month. The listing says it covers common elements, building insurance, parking. Fees can change, so confirm the current amount in the status certificate.

    Does 103 - 85 Spruce Street come with parking and a locker?

    The listing includes 1 parking space. The locker is listed as exclusive.

    Are pets allowed at 103 - 85 Spruce Street?

    Pets are allowed, with restrictions. Buildings often limit the size, number or type of pet, so check the condo rules before you offer.

    What amenities does the building have?

    The listing names these building amenities: bbqs allowed, exercise room, party room/meeting room.

    How is 103 - 85 Spruce Street heated and cooled?

    Heating is forced air (gas). Cooling is central air.

    What are the property taxes for 103 - 85 Spruce Street?

    Property taxes are $4,642 a year (2026), or about $387 a month.

    What neighbourhood is 103 - 85 Spruce Street in?

    103 - 85 Spruce Street is in Cambridge. The nearest main intersection is McNaughton St. The postal code is N1R 4K4.

    Is 103 - 85 Spruce Street still for sale?

    Yes. 103 - 85 Spruce Street is an active listing (MLS® X13810620), on the market since September 21, 2026. Listings here update from the board through the day and come down once a condo sells.

    What have condos at 85 Spruce Street sold for?

    Recent sales, leases and expired listings for this unit and the rest of the building are in the Sold history tab, with the price and date of each. It is free for members.

    How do I book a showing at 103 - 85 Spruce Street?

    Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-619-2256.

    Have a different question? Ask about this condo and get an answer, usually within the hour.

    *Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax and the maintenance fee. For illustration only.

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