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$420K · 2 bed Condo Apartment · Stoney Creek, Hamilton | MyPropertyScout

$419,900

Unit 203

46 DOM

2246d

Map

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DOM 46

↓ $30,000Price Reduced

$419,900

B●●○○○DOM46days

Unit 203

495 8 Highway · Hamilton · Ontario L8G 5E1

MLS® X13136352 · Stoney Creek · L8G 5E1

22OwnerOccupied1000-1199 ft²Condo Apartment1-car Underground46d$382/ft²$2,728 tax/yrBuilt 198541 yrs old

4% below market · regional est. · 46 days on market

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

About this home

Immaculate 2 bedroom unit, over 1100 sq ft, popular open concept layout, spacious primary bedroom with ensuite. Solarium/den off living room, plenty of storage. Great location in Stoney Creek, highway access, public transit and near amenities. Features: exercise room, party/game room, sauna rooms, library, squash/racquet ball court.

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Property details

MLS#: X13136352
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Place Of Worship, Public Transit, School

Condo corp #: 175
Balcony: None
Locker: Exclusive
Association amenities: Game Room, Gym, Party Room/Meeting Room, Sauna
Fees include: Common Elements Included, Building Insurance Included, Water Included, Parking Included, Heat Included, Hydro Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Hot Tub
Fronting on: —
Cross street: Dewitt
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Underground

Rooms

Level	Room	Dimensions
Main	Primary Bedroom	3.2m × 4.39m
Main	Bedroom 2	2.84m × 4.83m
Main	Kitchen	2.62m × 2.44m
Main	Living Room	3.48m × 8m
Main	Other	1.57m × 3.35m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Royal LePage NRC Realty Inc

Source: TRREB/PROPTX · MLS® X13136352

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$420K

Unit 203 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $419,900✓ $2,728 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,416/mo

incl. closing costs (yr 1)

Annual total

$52,995

year 1

Mortgage only

$1,593/mo

principal + interest

Beyond mortgage

$1,959/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$227/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$4,199/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

Condo / HOA fees (mo)$79/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $19,116/yr

Property taxes14% $7,601/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,199/yr

Condo fees22% $11,419/yr

Closing costs10% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,116	$1,593/mo
Government & taxes
Property tax	$2,728	$227/mo
Land transfer tax(closing)	$4,873	$406/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%)	$4,199	$350/mo
Condo fees
Condo / HOA fees	$11,419	$952/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	$52,995	$4,416/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 203

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs