654 Duke Street, Cambridge, ON N3H 3T5
Cambridge · Near King St. & Westminster · View map
About this home
GREAT IN-LAW AND INVESTMENT POTENTIAL IN A PRIME CAMBRIDGE LOCATION! Situated on a large lot, this well-maintained and versatile R5(CO)-zoned property offers a rare opportunity for multigenerational families, owner-occupiers and investors. The separate main level, with its own private entrance, kitchen and bathroom, is ideally suited to an in-law or nanny suite, allowing the family to live independently under the same roof while staying close. Live in the bright two-bedroom upper residence and enjoy the spacious deck and private garden while using or renting the main level, or rent the upper apartment, which has historically generated between $1,800 and $2,000+ per month in rental income, and explore converting the main floor into an additional apartment, subject to applicable zoning and municipal approvals. The flexible layout also supports combining residential living with permitted professional use, and the main level may be reconfigured into a spacious open-concept great room, main floor bedroom and family living space. Historically fully rented, the property offers established income potential, ample parking for at least three vehicles and convenient public parking next door. With its desirable location, generous lot, adaptable floor plan, and potential for multiple living spaces, 654 Duke Street offers a rare opportunity to house a family, generate rental income, offset ownership costs, and build long-term value.
The home
- Type
- 2-storey detached home
- Style
- 2-Storey
- Square footage
- 1100-1500 sq ft
- Bedrooms
- 2
- Bathrooms
- 3
- Kitchens
- 1
- Rooms
- 7
- Basement
- Full
- Lot size
- 66 x 115 ft
- Faces
- South
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
- Exterior
- Aluminum Siding
Heating & cooling
- Heating fuel
- Gas
- Heating type
- Forced Air
- Air conditioning
- Central Air
- Fireplace
- No
Garage & parking
- Driveway spaces
- 3
- Total parking
- 3
Taxes & other
- Property taxes
- $3,773/yr
- Tax year
- 2025
- Occupancy
- Vacant
- Possession
- Flexible
- Cross street
- King St. & Westminster
More
- Price per sq ft
- ~$500 (at 1,300 sq ft)
- MLS® number
- X13708178
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The home and its surroundings
- Carpet Free
- 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.
654 Duke Street, Cambridge, ON N3H 3T5
Cambridge · Near King St. & Westminster
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Listing history for 654 Duke Street
See what this home and others at the same address were listed for, what they sold for, and how long it took.
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Frequently asked questions about 654 Duke Street
Answers come straight from this home’s MLS® listing.
How much is 654 Duke Street listed for, and what would it cost each month?
654 Duke Street is listed for $649,900. With 20% down ($129,980), the mortgage payment would be roughly $2,622 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $2,936 a month, all in. That figure is an illustration, not a quote.
Is 654 Duke Street freehold or a condo, and is there a monthly fee?
654 Duke Street is a 2-storey detached home in Cambridge. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, so the roof, windows, driveway, snow and lawn are yours to look after.
How many bedrooms and bathrooms does 654 Duke Street have?
654 Duke Street has 2 bedrooms and 3 bathrooms.
Does 654 Duke Street have a garage and parking?
The listing does not show a garage. The driveway adds 3 spaces. In total the listing counts 3 parking spaces.
Does 654 Duke Street have a finished basement?
The listing describes the basement as full.
What style of home is 654 Duke Street?
654 Duke Street is a 2-storey detached home. A 2-storey detached house has its living space on the main floor and the bedrooms upstairs, on its own lot with no shared walls.
How big is 654 Duke Street, and what is the lot size?
The listing puts the home between 1,100 and 1,500 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement. The lot is listed as 66 x 115 ft.
How is 654 Duke Street heated and cooled?
Heating is forced air (gas). Cooling is central air.
What are the property taxes for 654 Duke Street?
Property taxes are $3,773 a year (2025), or about $314 a month.
Where is 654 Duke Street?
654 Duke Street is in Cambridge. The nearest main intersection is King St. & Westminster. The postal code is N3H 3T5.
Is 654 Duke Street still for sale?
Yes. It is an active listing (MLS® X13708178). Listings here update from the board through the day and come down once a home sells.
What are similar detached homes near 654 Duke Street asking?
Similar detached homes for sale nearby right now include 841 Duke Street at $580,000 (3 bed), 540 Vine Street at $639,900 (3 bed) and 40 Yates Avenue at $679,900 (3 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 654 Duke Street sold for?
Recent sales, leases and expired listings for this home and others at the same address 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 654 Duke 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 647-931-3923.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar detached homes nearby
More detached homes for sale near Cambridge, picked by style, size and price.
2-storey detached home$580,000841 Duke Street, Cambridge3 bed · 2 bathCourtesy of: ROYAL LEPAGE STATE REALTYView home →
2-storey detached home$639,900540 Vine Street, Cambridge3 bed · 2 bathCourtesy of: RE/MAX TWIN CITY REALTY INC.View home →
2-storey detached home$679,90040 Yates Avenue, Cambridge3 bed · 3 bathCourtesy of: REVEL REALTY INC.View home →Courtesy of: iCloud Realty Ltd.
Listing information comes from the Toronto Regional Real Estate Board through PropTx and is deemed reliable but is not guaranteed accurate. It is provided for consumers' personal, non-commercial use. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax. For illustration only.