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$1000K · 5+1 bed Multiplex · Stinson, Hamilton | MyPropertyScout

$999,900

147 Emerald Street

121 DOM

5+14121d

Map

⚡ Insider Deal

DOM 121

↓ $175KMotivated SellerPrice Reduced

$999,900

↓ $175KMotivated Seller

DOM121days

147 Emerald Street

Hamilton · Ontario L8N 2V4

MLS® X12855452 · Stinson · L8N 2V4

5+14TenantOccupied3000-3500 ft²Multiplex2-car DetachedFinished, Separate Entrance121d$308/ft²Lot 52.3 x 105 ft$7,950 tax/yrBuilt 1916110 yrs oldFinished, Separate Entrance

Neighbourhood Range

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Investor Opportunity in Prime Central Hamilton! This beautifully maintained Victorian-style fourplex offers the perfect blend of historic charm and modern convenience in a highly desirable location just below the escarpment. Each self-contained unit has been thoughtfully updated and well cared for, featuring in-suite washer and dryer unit 2-3, units 1/basement share laundry in the lower level, Units 1-3 equip with split system wall unit AC, functional layouts, and character details that reflect…

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Property details

MLS#: X12855452
Status: Buy Now
Property class: Residential Freehold
Beds: 5+1
Baths: 4 full, 0 half
Rooms: 12 + 5
Kitchens: 4
Size: 3000-3500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished, Separate Entrance
Style: 2 1/2 Storey
Type: Multiplex
Year built: 1916

Occupancy: Tenant Occupied
Washrooms: 4 pc · Ground; 4 pc · Second; 4 pc · Third; 3 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete Block
Property features: Park, Public Transit, Rec./Commun.Centre, School

Garage: 2-car Detached
Garage spaces: 2
Parking: 5 total
Lot: 52.25 × 105
Heating: Radiant
Heating fuel: Other
Cooling: Wall Unit(s)
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Other · Landscaped, Porch
Fronting on: East
Cross street: Emerald St and Stinson Street.
Stories: —
Utilities: —
Laundry: —
Interior: Separate Heating Controls, Separate Hydro Meter
Parking features: Private

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $175KPrice reduction

MLS shows the seller reduced the asking price by $175,100 (from $1,175,000 to $999,900).

Motivated SellerWhy this label

121 days on market — Listing has been active for 121 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.

Property history

Sales History

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Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX ESCARPMENT REALTY INC.

Source: TRREB/PROPTX · MLS® X12855452

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$1000K

147 Emerald Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $999,900✓ $7,950 tax✓ Other✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,703/mo

incl. closing costs (yr 1)

Annual total

$92,432

year 1

Mortgage only

$3,793/mo

principal + interest

Beyond mortgage

$2,078/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$199,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$662/mo

Utilities

Hydro / electricity$228/mo

≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/mo · assumes gas heat

Other$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%$9,999/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$16,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $45,520/yr

Property taxes26% $24,423/yr

Utilities6% $5,790/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,999/yr

Closing costs6% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$45,520	$3,793/mo
Government & taxes
Property tax	$7,950	$662/mo
Land transfer tax(closing)	$16,473	$1,373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$9,999	$833/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	$92,432	$7,703/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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147 Emerald Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs