$180K · 1 bed Co-Ownership Apartment · Kirkendall, Hamilton

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About this home

Rare opportunity to live just off Locke Street with exceptionally affordable monthly living costs. Discover incredible value in this updated, spacious 1-bedroom suite nestled within a charming 12-unit co-operative across two beautifully maintained buildings. Thoughtfully landscaped grounds showcase a picturesque courtyard and resident BBQ area-perfect for relaxing or socializing. The bright eat-in IKEA kitchen is both cheerful and functional, while the generous room sizes offer true comfort, inc…

Property details

MLS#

X12743536

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

1 Storey/Apt

Type

Co-Ownership Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc · Flat
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Hospital, Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre

Garage: None
Garage spaces: 0
Parking: 3 total
Heating: Radiant
Heating fuel: Gas
Cooling: Window Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick · Landscaped, Patio
Fronting on: —
Cross street: Pearl St S
Stories: 3
Utilities: —
Laundry: Common Area, Shared
Laundry level: Lower Level
Interior: Carpet Free, Separate Heating Controls, Storage, Storage Area Lockers
Parking features: Private, Street Only

Level	Room	Dimensions
Third	Kitchen	2.82m × 3.1m
Third	Living Room	3.58m × 4.22m
Third	Primary Bedroom	4.03m × 2.74m
Third	Foyer	2.82m × 2.28m

Level

Room

Dimensions

Third

Kitchen

2.82m × 3.1m

Third

Living Room

3.58m × 4.22m

Third

Primary Bedroom

4.03m × 2.74m

Third

Foyer

2.82m × 2.28m

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,100 (from $210,000 to $179,900).

Motivated SellerWhy this label

156 days on market — Listing has been active for 156 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $179,900✓ $1 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$1,848/mo

incl. closing costs (yr 1)

Annual total

$22,174

year 1

Mortgage only

$682/mo

principal + interest

Beyond mortgage

$580/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$35,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$1,799/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$1,524

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $8,190/yr

Property taxes7% $1,525/yr

Utilities18% $3,960/yr

Insurance & security7% $1,600/yr

Maintenance8% $1,799/yr

Closing costs23% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$8,190	$682/mo
Government & taxes
Property tax	$1	$0/mo
Land transfer tax(closing)	$1,524	$127/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$1,799	$150/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$22,174	$1,848/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 11

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs