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New21 hours ago

54 Bruce Street

, Cambridge

$1,449,900

Detached|3-Storey
6 | 5 | 9
About this home

A rare opportunity to own one of Galt's landmark stone homes. Built in 1859 by master stone masons Thomas and James Dalgleish and recently added to Cambridge's Heritage Registry, this three-storey residence offers 4,780 sq ft, 6 bedrooms and 5 bathrooms on a generous, fully fenced lot. Character is everywhere: deep stone walls, arched window openings, original woodwork, stained glass, pocket doors, and two wood-burning fireplaces anchoring the main living spaces. Just as important, the heavy lifting is done. Over $200,000 in renovations since 2022 includes a full electrical upgrade removing knob and tube, updated plumbing, air conditioning on all three floors, refinished hardwood, and a fully renovated European-style kitchen with custom cabinetry and new appliances. The third floor is a self-contained suite with its own kitchen, bathroom, separate entrance, and a private sunroom off the bedroom. Ideal for extended family, guests, or a home office wing, it offers flexibility rarely found in a heritage property. Outside: mature trees, two covered porches, and a large detached 2-car garage. Downtown Galt, the farmers' market, and the Grand River are a five-minute walk away. A heritage dossier prepared by architect Eric Rodrigues, Founding Principal of Boldera Architecture, accompanies the listing, providing both an assessment of the home's architectural significance and a roadmap for its future. More than 160 years on, 54 Bruce Street is ready for its next chapter.

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agent
Jonathan Lee
(647) 983-0770
TypeDetached
Style3-Storey
Approx. Age100+
Size3500-5000 sq. ft.
Property Tax$8,207
Lot Size109 ft x 135 ft
mls© NumberX13739760
Listed ByCHESTNUT PARK REAL ESTATE LIMITED

Listing History

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  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$7,421
Property tax
$684
Heat allowance
$150
Housing costs
$8,255 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $289,980
25-yr amortization

Income needed

$254,000

gross annual household income

Payment at 4%
$6,101 / mo
Cash down
$289,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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