654 Duke Street, Cambridge, ON

$699,900
MLS#:X13730456
0 beds
0 baths
Commercial
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Added:Aug 31, 2026(2 days ago)
Updated:Sep 1, 2026(1 day ago)
Last Checked:16 minutes ago

Property Highlights

Welcome to this remarkable office located in the coveted neighborhood of Cambridge. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $699,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 0 Bedrooms and 0 Bathrooms
  • Spacious lot size measured in Feet
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

A rare opportunity to combine your professional practice, personal residence and income potential under one roof. Ideally located at 654 Duke Street in the heart of Cambridge, this versatile R5(CO)-zoned property is well suited for accountants, lawyers, engineers, financial planners, consultants and other professionals seeking a convenient, cost-effective workspace.Operate your office or practice from the main floor while using the separate two-bedroom apartment for potential rental income of approximately $1,800 to $2,000 per month. For businesses requiring a larger operational footprint, the existing apartment spans two levels and provides the flexibility to expand your offices or professional workspace throughout the property, subject to applicable zoning and municipal approvals.The property offers parking for at least three vehicles, with additional public parking conveniently located adjacent to the property for businesses that may require greater parking capacity for employees or clients.Prefer a residential component? Convert the main floor into your own living space while continuing to rent the separate apartment to help offset monthly ownership costs.With its flexible layout, professional-use potential and multiple occupancy options, this property offers an intelligent alternative to maintaining separate home and business premises. An excellent opportunity for an owner-occupier, investor or established professional looking to create a customized workspace while building long-term value.

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Property Summary

This office located at 654 Duke Street, Cambridge is currently for sale and has been available on zoozaa for 2 days. This property is listed at $699,900 with an estimated mortgage of $2,330* per month. It has 0 beds, 0 bathrooms, and is unknown square feet. 654 Duke Street, Cambridge

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Cambridge.

Great for Small Household / Couples
What We Love About This Home
  • •Desirable Office architecture in Cambridge
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Property Type
Commercial

Additional Details

StatusActive
AddedAug 31, 2026 (2 days ago)
UpdatedSep 1, 2026 (1 day ago)
Last Checked16 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeOffice
CountyWaterloo
Annual Tax$3,773

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • No

Community Features

None listed

Frequently Asked Questions about 654 Duke Street, Cambridge, ON

Q.What is the asking price for 654 Duke Street, Cambridge, ON ?

The current listing price for 654 Duke Street, Cambridge, ON in Cambridge is $699,900.

Q.How many bedrooms and bathrooms does this property have?

This property features null bedrooms and null bathrooms.

Q.What property type and architectural style is 654 Duke Street, Cambridge, ON ?

654 Duke Street, Cambridge, ON is a Office () featuring a basement.

Q.What security features are installed at 654 Duke Street, Cambridge, ON ?

Security features include: No.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

Location

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654 Duke Street, Cambridge, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Cambridge, Cambridge

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 654 Duke Street, Cambridge, ON N3H 3T5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cambridge.

Configure Loan Settings

Interest Rate4.00%
Down Payment$209,970 (30.0%)
* Minimum Canadian down payment required for this price is $44,990.
Amortization Period30 Years
Estimated Monthly Payment$2,330Based on a loan of $489,930 over 30 years.
Purchase Price$699,900
Loan Amount$489,930
Provincial Land Transfer Tax:$10,473
Total Estimated Closing Taxes:$10,473

About Purchasing a Home in Cambridge, ON

For a property listed at $699,900 in Cambridge, the legal minimum down payment is $44,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $10,473 for this transaction. As this listing is in Cambridge (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $10,473.

Cambridge Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Cambridge.

Verified Local Data
City Population575,847
City Median Age38 Yrs
City Ownership65% Owners
Avg Area List Price$1,242,252

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
45%
Couples without children
28%
Other households
3%

Top Ethnic Origins

English18%
German17%
Scottish15%
Irish15%

Best Schools in Cambridge

Elementary Schools

Elgin Street
Public685 Elgin Street North, Cambridge, Ontario, N1R 7W6
6.2
Avenue Road
Public40 Gail Street, Cambridge, Ontario, N1R 4M2
3.3
Christ The King
Public70 Acorn Way, Cambridge, Ontario, N1R 8M5
3.1
St Peter
Public92 Avenue Road, Cambridge, Ontario, N1R 1C1
5.6
Blue Heron
Public749 Grand Valley Drive, Preston, Cambridge, Ontario, N3H 2S3
5.3

Secondary Schools

Galt
Public200 Water Street North, Galt, Cambridge, Ontario, N1R 6V2
5.9
St. Benedict
Catholic50 Saginaw Parkway, Cambridge, Ontario, N1R 5W1
6.8

Cambridge Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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