For SaleDetached · 2 1/2 StoreyMLS® #X13860070 · TRREB MLS®
120 St Andrews St, Cambridge, Ontario
Cambridge, Ontario N1S 1M9
- Bedrooms
- 5
- Lot Size
- 78 x 125 ft
- Bathrooms
- 3
- Type
- Detached
- Basement
- Unfinished
$899,000
Estimated market value
About 120 St Andrews St
120 St Andrews St is a 5-bedroom, 3-bathroom detached house in Cambridge, listed for sale at an asking price of $899,000 (MLS® X13860070).
Step into the charm and elegance of a bygone era with this majestic 2-storey brick century home, built circa 1913. Set on a generous lot with a detached double garage, this distinctive property offers a rare combination of historic character, spaciousness, and exciting potential.Inside, original architectural details create a truly special atmosphere, including beautiful oak floors, original wood trim, solid wood pillars in the welcoming front foyer, elegant French doors, and a striking wood staircase-all showcasing the craftsmanship of the era. The home was originally designed as a 4-bedroom residence and features a convenient walk-up attic offering additional space and future possibilities. A rear addition currently incorporates a 1-bedroom apartment, providing a flexible setup for extended family, guests, or potential rental use, subject to applicable approvals.Outside, the large lot and detached double garage provide valuable space rarely found with homes of this vintage.Whether you're looking to restore the home's original charm, reimagine the layout, or create a personalized residence with character and history, this property offers an exceptional canvas for your vision.A rare opportunity to own a piece of history and make it your own.
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $4,416 / 2026
- MLS® number
- X13860070
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 100+
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 78 x 125 ft
- Listed on
- Parking
- 2 Detached, 5 Parking
Listing history
Buy/sell history for 120 St Andrews St, Cambridge, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $899,000 | N/A | For Sale | X13860070 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- 2 1/2 Storey
- Municipality
- Cambridge
Building
- Size
- 1500-2000 sqft
- Building Age
- 100+
- Construction
- Brick
Inside
- Bedrooms
- 5
- Bathrooms
- 3
- Bathroom Details
- 1 × 4pc 2nd, 1 × 4pc 2nd, 1 × 2pc Ground
- Basement Type
- Unfinished
- Kitchens
- 2
Parking
- Driveway
- Pvt Double
- Garage Type
- Detached
- Garage
- 2
- Additional Parking
- 3
- Total Parking
- 5
Utilities
- Water
- Municipal
- Cooling
- None
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 78 ft
- Depth
- 125 ft
- Lot Size
- 78 x 125 ft
Additional
- Roof
- Shingles
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- 2 Stove, 2 Fridge, 2 Washers, 2 Dryers. All Elfs, All Windows Coverings.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 3.66 × 3.96 m | Hardwood Floor | Ground |
| Living | 3.66 × 3.96 m | hardwood floor, French Doors | Ground |
| Dining | 3.66 × 4.27 m | hardwood floor, French Doors | Ground |
| Kitchen | 3.35 × 3.66 m | Ceramic Floor | Ground |
| Den | 2.13 × 3.35 m | 2 Pc Bath | Ground |
| Br | 3.05 × 3.66 m | — | 2nd |
| 2nd Br | 3.05 × 3.66 m | — | 2nd |
| 3rd Br | 3.05 × 5.79 m | — | 3rd |
| Kitchen | 2.13 × 3.66 m | — | 2nd |
| Living | 3.2 × 3.35 m | — | 2nd |
| Br | 3.35 × 3.35 m | — | 2nd |
Map and tour
Detached homes for sale in Cambridge right now
- For sale now
- 220
- Median asking price
- $777K
- New in 7 days
- 25
- Price cuts
- 26%
Middle half: $657K to $926K
107 in 28 days
57 listings
This home is asking 16% above the median.
See all homes in CambridgeAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $14,455
- Total land transfer tax
- $14,455
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $10,455
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $899,000
- $9,980
- Ontario total
- $14,455
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation4
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m11 test or monitoring holes also recorded.250 m
- Groundwater recorded about 5.3 m below ground nearbyThe middle water level in the well records within 500 m (81 records). It changes with the season and from spot to spot.500 m
- Bedrock about 1.5 m down nearbyThe middle depth to bedrock in the well records within 500 m.500 m
Province of Ontario open data
Planning and building activity1
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
Province of Ontario open data
Around the home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- 1 licensed pit or quarry within 2 kmThe nearest is 1.7 km away, as mapped.2 km
- No recorded oil, gas or salt well within 250 m250 m
- 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Canadian General-Tower Ltd., 960 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by GrandBridge Energy Inc.At the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (0 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Gregory Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 500 m | 67%Grade 6 average |
| Highland Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 600 m | 75%Grade 6 average |
| Central Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1.2 km | 69%Grade 6 average |
| ÉÉC Saint-Noël-Chabanel-CambridgeConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 5.8 km | 78%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Southwood Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.2 km | 50%Grade 9 math |
| Glenview Park Secondary SchoolWaterloo Region DSB | Public · grades 9–12 | 1.5 km | 53%Grade 9 math |
| Monsignor Doyle Catholic Secondary SchoolWaterloo CDSB | Catholic · grades 9–12 | 2.5 km | 46%Grade 9 math |
| ÉSC Père-René-de-GalinéeConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 9.2 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Ainslie St Terminal | GRT bus rapid transit: ION Bus | 900 m |
| Delta | GRT bus rapid transit: ION Bus | 2.3 km |
| Can-Amera | GRT bus rapid transit: ION Bus | 3.6 km |
| Cambridge Centre Mall | GRT bus rapid transit: ION Bus | 4.4 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Contains information provided by the Regional Municipality of Waterloo under licence.
Lot
- Lot area
- 9,750 sq ft906 m²
- Street frontage
- 78 ft23.8 m
- Depth
- 125 ft38.1 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $179,800
- Total mortgage amount
- $719,200
- Total interest payment
- $511,400
- Total purchase cost
- $1,410,400
- Mortgage payment
- $4,102/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$4,470- Rent $0
- Shortfall $4,470
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
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