$450K · 3 bed Detached · Homeside, Hamilton

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About this home

Welcome to 292 Fairfield Ave in Hamilton, a beautifully renovated home that perfectly blends modern style, functionality, and outdoor living. Thoughtfully updated throughout, this move-in ready property offers bright, inviting spaces with contemporary finishes designed for comfortable everyday living and effortless entertaining. From the moment you step inside, you'll appreciate the care and attention to detail that make this home truly stand out. The backyard is your own private retreat, featur…

Property details

MLS#

X13115964

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

1100-1500

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Rolled
Foundation: Block

Garage: 2-car Detached
Garage spaces: 2
Parking: 2 total
Lot: 30 × 125.25
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: Yes
Waterfront: No
Exterior: Aluminum Siding, Brick
Fronting on: East
Cross street: Barton St S
Basement: Full, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Water Heater
Parking features: None

Level	Room	Dimensions
Main	Living Room	3.45m × 4.27m
Main	Dining Room	3.45m × 2.62m
Main	Bathroom	2.29m × 2.06m
Main	Kitchen	2.67m × 4.06m
Main	Primary Bedroom	2.57m × 5.05m
Second	Bedroom 2	3.02m × 3.58m
Second	Bedroom 3	3m × 3.58m
Second	Sitting	3.96m × 2.01m
Basement	Other	6.1m × 9.22m

Level

Room

Dimensions

Main

Living Room

3.45m × 4.27m

Main

Dining Room

3.45m × 2.62m

Main

Bathroom

2.29m × 2.06m

Main

Kitchen

2.67m × 4.06m

Main

Primary Bedroom

2.57m × 5.05m

Second

Bedroom 2

3.02m × 3.58m

Second

Bedroom 3

3m × 3.58m

Second

Sitting

3.96m × 2.01m

Basement

Other

6.1m × 9.22m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $3,562 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,739/mo

incl. closing costs (yr 1)

Annual total

$44,867

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,118/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$297/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$4,499/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$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $20,481/yr

Property taxes20% $9,035/yr

Utilities9% $4,152/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,499/yr

Closing costs11% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,481	$1,707/mo
Government & taxes
Property tax	$3,562	$297/mo
Land transfer tax(closing)	$5,473	$456/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,499	$375/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	$44,867	$3,739/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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292 Fairfield Avenue

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Annual costs