120 Yates Avenue, Cambridge, ON N1P 0A4
Listed by Miguel Lima • Century 21 Heritage Group Ltd.
120 Yates Avenue , Cambridge, ON N1P 0A4
$ 814,900
Bed Rooms
3
Bath Rooms
4
SqFt
1,582
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Virtual Tour
50 photos
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Year Built
2009
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$515
Car Garage
1.5
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,582 sqft
MLS Listing ID
40854081
Bedrooms
3
Full Baths
2
Half Baths
2
Abv Grd Liv Area
2,135
Annual Tax Amount
$5,600
Lot Size
5,314 Sqft
Acres
0.122
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Waterloo
Area
12 - Galt East
Zoning
HR4
Direction
Lilywood Dr. to Foxmeadow Rd. to Yates Ave.
Rooms
Other Rooms
Shed(s), Other
Basement
Full, Finished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Other
Heating
Forced Air, Natural Gas
Cooling
Central Air
Fireplace
No
Appliance
Water Heater, Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
In Basement
Exterior
Exterior Feature
Landscaped, Privacy
Parking Features
Attached Garage, Built-In, Inside Entry
Fence
Full
Roof Type
Shingle
Street Surface
Paved
Porch
Deck, Porch
Lot Frontage
25.43
Lot Depth
124.76
Garage
Yes
Building
Lot Description
Urban, Rectangular, Ample Parking, Campground, Near Golf Course, Greenbelt, Highway Access, Hospital, Library, Open Spaces, Park, Place of Worship, Playground Nearby, Rec./Community Centre, Schools, Shopping Nearby, Trails, Other
Faces
Lilywood Dr. to Foxmeadow Rd. to Yates Ave.
Story
2
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
Moffat Creek, Holy Spirit
High Schools
Glenview Park, Monsignor Doyle
Others
Senior Community
No
Tax ID
226801397
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Nearby Locations

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120 Yates Avenue

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Navjot Singh

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