$715K · 2+2 bed Detached · Westcliffe, Hamilton

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About this home

Charming Updated and renovated home in desirable West Mountain neighbourhood! 2+2 bedrooms with 2 bathrooms offering warmth, character, and flexibility. With a separate side entrance and walk-up, this property presents excellent potential for multi-use living or an investment opportunity. The thoughtful layout features bright living spaces and versatile bedrooms that can easily adapt to your lifestyle-whether as a home office, guest room, or additional family space. Step outside and enjoy the sm…

Property details

MLS#

X13108466

Status

Buy Now

Beds

2+2

Baths

2 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block
Property features: Fenced Yard, Hospital, Place Of Worship, Public Transit, School, School Bus Route

Fireplaces: 1
Fireplace features: Wood

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 45 × 65
Heating: Forced Air
Heating fuel: Wood
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: West
Cross street: SANATORIUM
Basement: Finished, Full, Walk-Up, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, In-Law Capability, Primary Bedroom - Main Floor, Water Heater
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.35m × 4.7m
Main	Kitchen	3.63m × 4.44m
Main	Dining Room	3.63m × 4.44m
Main	Primary Bedroom	3.48m × 3.58m
Main	Bedroom 2	2.95m × 3.48m
Main	Bathroom	2.18m × 2.44m
Lower	Recreation	3.28m × 4.42m
Lower	Bedroom 3	3.38m × 3.61m
Lower	Bedroom 4	3.12m × 3.38m
Lower	Bathroom	2.03m × 3.38m
Lower	Laundry	—
Lower	Utility Room	1.5m × 1.96m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $715,000✓ $3,082 tax✓ Wood✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,351/mo

incl. closing costs (yr 1)

Annual total

$64,217

year 1

Mortgage only

$2,712/mo

principal + interest

Beyond mortgage

$1,283/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$143,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$257/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Wood$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%$7,150/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$10,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $32,550/yr

Property taxes22% $13,857/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,150/yr

Closing costs8% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$32,550	$2,712/mo
Government & taxes
Property tax	$3,082	$257/mo
Land transfer tax(closing)	$10,775	$898/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Wood	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,150	$596/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	$64,217	$5,351/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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894 Garth Street

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Property details

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Rooms

Sales History

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Annual costs