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Property Type: Detached HouseOwnership: Freehold
120 ST ANDREWS STREET
Cambridge, ON N1S1M9
MLS® X13860070
$899,000
5 bed3.5 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2.5
- Lot size
- 78 x 125 FT
- Frontage
- 78 feet
R4 Legal Non Conforming Duplex
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,415.56
Interior
- Basement
- Unfinished, N/A
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Second level | — |
| Bedroom | Second level | — |
| Foyer | Ground level | — |
| Living room | Ground level | — |
| Dining room | Ground level | — |
| Kitchen | Ground level | — |
| Den | Ground level | — |
| Bedroom | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom 3 | Third level | — |
| Kitchen | Second level | — |
Description
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. (id:63159)
Listing Information
- MLS®
- X13860070
- Data last synced
- October 5, 2026
INTERNATIONAL REALTY FIRM, INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: INTERNATIONAL REALTY FIRM, INC.
MLS® Number: X13860070
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Cambridge average
$416/sqft
251 active listing(s)
Parking: 5 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
4°C
—
Humidity 95%
Wind E calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density: 615.3/km²
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Mortgage & Ownership Cost Calculator
Minimum required: 7.2% ($64,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$719,200.00
Periodic payment — Principal & Interest (monthly)$4,640.03
Additional monthly expenses (condo fees, tax, utilities, etc.)$367.96
Total monthly cost$5,008.00
Interest paid over 5-yr term$206,124.79
Balance at end of term$646,922.73
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$64,900
Stress test qualifying rate8.19%
Payment you must qualify for$6,467.40
Cash Needed at Closing
Minimum down payment$64,900
Estimated Land Transfer Tax (LTT)$14,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,855
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
