Property Type: Detached HouseOwnership: Freehold

120 YATES Avenue

Cambridge, BC N1P0A4

$814,900

3 bed4 full, 2 half bath3 parking2,135 sqftBuilt 2009
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.12 acres
Frontage
25 feet

HR4

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,600

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Dishwasher, Stove, Dryer

Exterior & Lot

Exterior features
Brick, Vinyl siding
Lot features
Conservation/green belt, Private Yard
Fencing
Fence

Building

Foundation
Poured Concrete
Water source
Municipal water
Sewer
Municipal sewage system

Parking

Total spaces
3 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Laundry roomBasement8'1'' x 13'1''
2pc BathroomBasement4'10'' x 5'4''
Recreation roomBasement21'4'' x 21'9''
4pc BathroomSecond level7'7'' x 7'10''
BedroomSecond level11'4'' x 12'3''
BedroomSecond level11'4'' x 15'2''
4pc Ensuite bathSecond level7'11'' x 9'3''
Primary BedroomSecond level14'8'' x 17'7''
2pc BathroomMain level3'0'' x 7'3''
Dining roomMain level7'11'' x 11'2''
Living roomMain level10'7'' x 18'7''
KitchenMain level9'10'' x 11'2''
FoyerMain level

Listing Information

MLS®
40854081
Listed
August 7, 2026
Time on market
On the market for 39 days
Data last synced
September 15, 2026

Listing provided by: Century 21 Heritage Group Ltd. · Data source: CREA DDF.

Description

Located in beautiful and historic Cambridge, this impeccably maintained two storey home sits on a premium pie-shaped lot in a quiet family friendly court in the sought after Branchton Park neighbourhood of Galt East. Offering a fully finished interior from top to bottom, this home is designed for comfortable family living and effortless entertaining. The bright main floor features a welcoming foyer with entry closet, spacious living and dining areas, a functional eat-in kitchen with stainless steel appliances, generous cabinetry and direct access to the backyard. Step outside to a two-tier deck overlooking the fully landscaped yard, complete with a custom outdoor kitchen and pizza oven, an ideal setting for summer gatherings with family and friends. Upstairs you'll find three generous bedrooms, including a spacious primary retreat with walk-in closet and private ensuite, along with a second full bathroom. The finished basement provides valuable additional living space perfect for a family room, children's play area, home office or gym, and includes a fourth bathroom, finished laundry room, cold cellar and utility/storage area. Additional highlights include fresh paint, updated lighting throughout the main and second floors, inside entry from the attached garage, ample parking, and a move in ready interior. Set on an oversized premium lot in one of Cambridge's most desirable family neighbourhoods, this is a home you'll be proud to call your own. (id:63159)

Values & Trends

This listing

$382/sqft

Building average

No other active listings in this building

23 - Branchton Park average

$387/sqft

15 active listing(s)

Parking: 3 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

15°C

Humidity 78%

Wind SSE 9 km/h

Today

23°

Tonight

17°

Wednesday

26°

Wednesday night

12°

Thursday

24°

Thursday night

11°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Mortgage & Ownership Cost Calculator

Minimum required: 6.9% ($56,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$651,920.00
Periodic payment — Principal & Interest (monthly)$4,205.97
Additional monthly expenses (strata, tax, utilities, etc.)$573.67
Total monthly cost$4,779.63
Interest paid over 5-yr term$186,842.15
Balance at end of term$586,404.15

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$56,490
Stress test qualifying rate8.09%
Payment you must qualify for$5,831.91

Cash Needed at Closing

Minimum down payment$56,490
Estimated BC PTT$14,298
Legal / closing costs (typical estimate)$1,500
Total cash needed$72,288

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. Verify all figures with a mortgage broker and lawyer before relying on them.

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