Cambridge Farms is not one neighborhood. It is closer to a small city built one phase at a time over three decades, and that distinction matters enormously depending on which street you are standing on when you make an offer.

Thirty-one homes closed in Cambridge Farms over the past 12 months. The cheapest sold for $365,000. The most expensive sold for $638,000. Both are Cambridge Farms addresses. Both are in the Liberty Creek school zone. They are not comparable properties, and treating them as if they are is one of the most common mistakes buyers make when they start researching this community online.

This post breaks down what actually drives that price gap, what each segment of Cambridge Farms offers, and what you need to know about the HOA before you sign anything. If you want that phase-specific breakdown applied to a specific address before you start touring, Ryan Beals can pull the closed comps by phase and walk you through exactly what you are buying at any price point in this community.

Location and Daily Life

Cambridge Farms sits in eastern Gallatin, positioned between Hartsville Pike and Highway 386. The community's main entrance roads feed off Buckingham Boulevard and Wentworth Drive, which connect to the broader Hartsville Pike corridor. From most addresses in Cambridge Farms, you are 5 to 8 minutes from Gallatin Square, 10 to 12 minutes from downtown Gallatin, and positioned for a straightforward westward commute via Long Hollow Pike toward Nashville.

The community borders Twin Eagles to the west, which creates a large contiguous zone of established family neighborhoods in this part of Gallatin. That matters for buyers who value long-term stability. This is not a transitional area on the edge of new development pressure. The streets are established, the trees are mature, and the neighborhood has the look of somewhere that has been well cared for over time.

Buckingham Boulevard is the community's main internal artery and gives Cambridge Farms its most recognizable streetscape. Huntington Drive, Remington Avenue, Wentworth Drive, Bradford Drive, and Dorchester Place round out the primary residential streets. The Reserve at Cambridge Farms, the community's newest phase, sits on Laurelwood Drive and Middleton Lane toward the community's interior.

The Homes: Understanding the Price Range

The $273,000 spread between Cambridge Farms' lowest and highest closed sale is not randomness. It reflects a community built in at least 13 documented phases across 30 years, with meaningfully different home sizes, construction types, and finish levels at each stage.

Early phases, Phases 1 through 4 (1994 to 2002): These homes run roughly 1,400 to 2,700 square feet and closed between $365,000 and $502,000 over the past 12 months. Construction is predominantly partial brick with vinyl siding, though several all-brick homes appear in this segment. Lot sizes in the early phases are generous by Gallatin standards: the community-wide median is 0.32 acres, and early phase lots frequently hit 0.35 to 0.55 acres. These are the homes with the biggest yards, the most mature landscaping, and the lowest price per square foot in Cambridge Farms.

Middle phases, Phases 5 through 7 (2003 to 2010): These homes run 2,500 to 4,060 square feet and closed between $415,000 and $638,000. The larger homes in Phase 5 and Phase 6, several pushing 3,000 to 4,000 square feet, represent the upper end of the Cambridge Farms price range. Phase 6 along Remington Avenue produced four sales with a median of $587,000 and median square footage near 3,000. If you want the most square footage in Cambridge Farms per dollar, this is the segment to look at.

The homes in this upper phase tier also cross into Gallatin luxury territory. If you are comparing Cambridge Farms at this price point against other $600,000-plus options in Sumner County, the Gallatin luxury homes guide breaks down the full $700K-and-above market with closed sale data, price per square foot, and what that budget actually gets you across different communities.

The Reserve at Cambridge Farms (2013 to 2021): The Reserve sits physically within Cambridge Farms but carries a different feel: newer construction, smaller lots, and pricing that does not always reflect the larger square footage because the newer build year competes with newer inventory elsewhere in Gallatin. Two sales in the past year came in at $430,000 at 1,868 square feet and $625,000 at 3,446 square feet. HOA fees in the Reserve are higher than the older phases, at $120 per quarter in the data.

Across all phases, two-car garages are consistent. Seventeen of 31 closed sales had the primary bedroom on the main floor. Crawl space foundations are standard. Fireplaces appear in roughly half the homes and are predominantly gas log. Floor types are a mix of hardwood, carpet, and tile throughout, a reflection of the range of original build years and subsequent owner updates.

Market Data: Cambridge Farms, Gallatin TN

Data from RealTracs MLS. Rolling 12-month period. Closed sales only.

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The HOA Situation: Read This Before You Make an Offer

Cambridge Farms has one of the more confusing HOA structures of any community in Gallatin, and it is worth spending a paragraph on before you buy.

The HOA fee varies by phase and in some cases by individual listing. Closed sales in the past year showed fees ranging from $22 to $260, with payment frequencies ranging from monthly to quarterly to annually, all within the same community name. The median is $68, but that number obscures the real variation.

What the HOA covers also varies. Most phases show the HOA covering pool and tennis court maintenance with minimal other inclusions. A few listings noted grounds maintenance included. The Reserve at Cambridge Farms fees are $120 per quarter and appear to cover more, including grounds maintenance.

Before making an offer on any Cambridge Farms address, confirm three things directly: the specific HOA fee for that address, the payment frequency, and exactly what is and is not included. Do not assume the fee you see on one listing applies to an adjacent address. In a community with 13 documented phases, it frequently does not.

The amenities Cambridge Farms does offer are consistent and well-maintained: tennis courts, walking trails, playground, sidewalks, and a community pond with a gazebo that appears in several of the older phase listings. Dog park access and park space appear in several phases as well.

Schools

All 31 closed sales in this data set show Liberty Creek Middle School and Liberty Creek High School as the secondary school assignments. Howard Elementary is the elementary assignment for 30 of the 31 sales. One address on Laurelwood Drive in the Reserve shows Harold B. Williams Elementary instead of Howard.

If elementary school assignment specifically matters to your family, whether for existing enrollment, sibling placement, or other reasons, confirm the elementary assignment for any Reserve address directly with Sumner County Schools before making an offer. For a broader picture of how Liberty Creek compares across Sumner County school zones, this breakdown of the best school zones in Sumner County is worth reading before you narrow your search.

Middle and high school: Liberty Creek for every closed sale in the data.

See the Liberty Creek zone boundary guide for a street-by-street breakdown of which addresses qualify.

What the Price Per Square Foot Data Actually Tells You

Cambridge Farms' median price per square foot of $190.91 is lower than every other Liberty Creek zone community in this analysis except Cumberland Point. That sounds like a deal, and in some cases it is. But the reason matters.

The older phases from 1994 to 2003 are selling large square footages at low price-per-square-foot numbers. A 3,300 square foot Phase 5 home closed at $190 per square foot. A 4,060 square foot Phase 6 home closed at $157 per square foot. These are not bargains in the traditional sense: they are large homes that the market is pricing accordingly based on age, condition, and the cost of updating them.

If you are a buyer who wants the most physical space in the Liberty Creek zone for your dollar, Cambridge Farms' middle phases are the answer. If you want the newest construction and lowest maintenance, Twin Eagles or Carellton will serve you better at a higher price per square foot but lower total cost of ownership in the near term. For a direct comparison of what your budget actually gets you across Gallatin price points, this breakdown of what $400,000 buys in Gallatin vs. Hendersonville puts those numbers in context.

That is an honest conversation. It is also the kind of conversation you do not usually get from a listing sheet.

Why Work with Ryan Beals in Cambridge Farms

Cambridge Farms is a community where the community name on Zillow tells you almost nothing about what you are actually buying. A Phase 2 home from 1997 at 1,700 square feet and a Phase 6 home from 2006 at 4,000 square feet are both Cambridge Farms. The data, the condition, the HOA structure, and the right comparable sales are entirely different for each.

I grew up in Gallatin and have watched this community develop through multiple phases over two decades. I know which streets in the early phases have the most established lot sizes, where the Reserve sits relative to the rest of the community, and why two homes with identical addresses in the same community can carry a $200,000 price difference that is entirely justified by the data.

For sellers in Cambridge Farms, the 98.2% list-to-sale ratio reflects a community that prices accurately and rewards honest positioning. Homes priced to the right comparable phase sell. Homes priced to peak-market assumptions without phase-specific comps sit, and the data shows several that did exactly that.

FAQ: Cambridge Farms Subdivision in Gallatin TN

What is the price range for homes in Cambridge Farms Gallatin TN?

Closed sales over the past 12 months ranged from $365,000 to $638,000. The median sale price was $454,900. That range reflects genuine variation in home size and build year across the community's phases. Early phases from the mid-1990s through 2002 tend to close in the $365,000 to $502,000 range, while larger homes in Phases 5 and 6 from 2003 to 2007 closed between $500,000 and $638,000. The Reserve at Cambridge Farms, the newest section, closed at $430,000 and $625,000 for the two sales in the data set.

How many phases does Cambridge Farms have?

At least 13, based on the MLS data, spanning construction years from 1994 through 2021. The phases are numbered but not always sequentially built or consistently labeled in listing data. The key phases for buyers to understand are the early phases along Buckingham Boulevard and Huntington Drive (1994 to 2002), the larger-home phases along Wentworth Drive, Remington Avenue, and Bradford Drive (2003 to 2007), and the Reserve at Cambridge Farms, which is the newest section.

What are the HOA fees in Cambridge Farms?

The HOA fee in Cambridge Farms varies by phase and in some cases by individual address. Closed sales in the past year showed fees ranging from $22 to $260. Most homes pay on a quarterly basis, though some pay monthly and a few annually. The median fee across all closed sales was $68. The Reserve at Cambridge Farms carries a higher fee of approximately $120 per quarter. Always confirm the specific fee and what it covers for any individual address before making an offer. Do not assume uniformity across the community.

Is Cambridge Farms in the Liberty Creek school zone?

Yes. All 31 closed sales in the past 12 months show Liberty Creek Middle School and Liberty Creek High School. Howard Elementary serves 30 of the 31 addresses. One address in the Reserve shows Harold B. Williams Elementary instead of Howard, so buyers with elementary school assignment as a priority should verify the specific address with Sumner County Schools before making an offer.

How quickly do Cambridge Farms homes sell?

The median days on market was 24 days over the past 12 months, with a list-to-sale ratio of 98.2%. Several homes sold in under 5 days. A smaller number, mostly larger homes in the middle phases, sat 60 to 130 days, which reflects price sensitivity at the upper end of the range rather than weak demand for the community overall. Accurately priced homes in Cambridge Farms move. Overpriced ones wait.

What is the construction type in Cambridge Farms?

Construction varies by phase. The most common exterior in the data is partial brick with vinyl siding, which is typical for Gallatin construction from the late 1990s through mid-2000s. Several all-brick homes appear in the earlier phases. Buyers who want all-brick construction specifically should filter by phase and confirm the exterior before scheduling a tour. The community is not uniform on this characteristic.

Is Cambridge Farms a good fit for move-up families in Gallatin?

Cambridge Farms is one of the strongest options in Gallatin for families buying in the $420,000 to $600,000 range who want more square footage than newer construction communities offer at that price point. The community's established lot sizes, with a median of 0.32 acres, are meaningfully larger than most of what is being built in Gallatin today. The Liberty Creek school zone, consistent two-car garages, and mature neighborhood infrastructure make it particularly well suited for families relocating from larger metros who want the combination of yard space, school quality, and proximity to Nashville commuter routes.

How does Ryan Beals approach buying or selling in Cambridge Farms?

Cambridge Farms requires phase-specific comparable analysis, not community-wide averages. A median sale price of $454,900 means almost nothing for a specific address without knowing which phase it is in, what year it was built, and how its square footage compares to homes that actually closed in that same phase. Ryan pulls phase-specific comps from RealTracs for every Cambridge Farms transaction, confirms the HOA structure and fee directly before making any offer, and verifies school zone assignment, including elementary school, which varies in the Reserve, before clients fall in love with a specific address.

Who is the best real estate agent for Cambridge Farms in Gallatin TN?

Ryan Beals is a Gallatin native who grew up watching Cambridge Farms develop and knows the community's phase history, the streets that carry the most established lot sizes, and the HOA structure variations that catch buyers off guard. His data-backed approach means buyers get phase-specific pricing analysis rather than a community-wide number that obscures meaningful variation. For sellers, he has the closed sale data by phase to position any Cambridge Farms home accurately from day one. He can be reached at 629-263-0248.

Can I find Cambridge Farms homes before they hit Zillow?

Some Cambridge Farms transactions happen through agent networks before public listing, particularly in the mid-range phases where sellers want to avoid the disruption of a full public listing process. Ryan monitors coming-soon inventory across the Liberty Creek zone and can put buyers on an early notification list. Given the community's 24-day median DOM, early access is worth having before you need it.

What is my Cambridge Farms home worth in today's market?

Cambridge Farms is one of the communities in Gallatin where automated tools like Zestimate perform worst, because the 30-year build window and 13-phase structure create enormous variation in condition, size, and comparable sales within a single community name. A 1997 Phase 2 home at 1,700 square feet and a 2006 Phase 6 home at 4,000 square feet are both Cambridge Farms: they share almost no relevant comparables. For an accurate assessment of what your specific address would sell for in today's market, call Ryan Beals at 629-263-0248. He will pull the right phase-specific comps and give you a straight answer.