Ettringite formation is an expansive reaction that causes cracking in the hydrated cementitious materials. This research has investigated the mechanisms of ettringite formation by examining the chemical and physical structure of the reactants and products involved in the process of late age (over 15 years) ettringite formation, and subsequent expansion and cracking. For this, seven different types of commercially available cement with their unique composition, and an elevated heat curing temperature of up to 100 °C were applied. The physical expansion of mortar bars due to delayed ettringite formation was monitored by the length change comparator. Environmental scanning electron microscopy (ESEM) was used to qualify and quantify changes in the microstructure and chemical composition of the cementitious matrix. Results revealed that the high-temperature heat curing accelerated the onset of expansion but limited the over-magnitude of the expansion. Results also revealed that the expansion may take years to initiate, likely due to a critical pore size threshold necessary to induce stresses. If expansion is delayed, the expansion magnitude is greater than those that expanded immediately.