79 Elgin Street N, Cambridge, ON N1R 5H4
Welcome To 79 Elgin Street N In Cambridge. A Fantastic Opportunity To Own A Stand Alone Building And Land In A High Exposure Location With Tons Of Parking. You Can't Beat The Location And Quick Access To Main Roads Either. Owned By The Same Owner For more than 30 years and now retiring. This Building Is Well Kept, Maintained And Easy To Manage. This Building Is Fully Rented And A Perfect Turn Key Opportunity. Near High ways and good rental income and good cash flow. Big Lot and big potential for development. Very good location. Good opportunity to own a small plaza.
- MLS number
- X13138270
- Type
- Commercial Retail
- Status
- Active
- Bedrooms
- —
- Bathrooms
- —
- Postal code
- N1R 5H4
- Photos
- 16
- Property tax
- $15,570 / year
This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Commercial Retail
- Class
- Commercial
- Municipality
- Cambridge
- Cross street
- Elgin And Dundas
- Zoning
- Commercial
Parking
- Garage
- Outside/Surface
- Driveway spaces
- 32
Land
- Lot
- 101.15 × 125.9 feet
Heating, cooling and services
- Heating
- Gas Forced Air Open
- Cooling
- Yes
- Water
- Municipal
Listing
- MLS number
- X13138270
- Status
- Price Change
- Previous status
- New
- Listed on
- 2026-05-16
- Expires
- 2026-11-15
- Possession
- 2026-05-16
- Taxes
- $15,570 (2025)
- Board
- Toronto Regional Real Estate Board
Listing history
No previous listings found for this address.
Where this property is
Where this address sits, matched against open government data.
Matched to this street. The listing did not say which direction, and every candidate was in the same place.
Schools
The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.
Other schools nearby
By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.
| School | Level | Distance | Rating |
|---|---|---|---|
| St Anne Catholic Elementary School Waterloo CDSB | Elementary | 409 m | / 10 52% met the standard |
| Chalmers Street Public School Waterloo Region DSB | Elementary | 1.1 km | / 10 53% met the standard |
| Ontario Muslim Academy | Elementary | 905 m | Not reported |
| Central Public School Waterloo Region DSB | Elementary | 1.0 km | / 10 61% met the standard |
| Montessori School of Cambridge | Elementary | 1.1 km | Not reported |
| Stewart Avenue Public School Waterloo Region DSB | Elementary | 1.5 km | / 10 57% met the standard |
How the rating is calculated
EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.
Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.
What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.
Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.
H-Value
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 503 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35300678 — the few blocks around this address, home to 503 people. It describes the area, not this property.
Percentages are of the 280 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.
Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.
Work out the numbers
Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.
If you rented it out
How this is calculated, and what it leaves out
Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.
Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.
Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.