$790K · 5 bed Semi-Detached · Stinson, Hamilton

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About this home

Step into timeless elegance in this stately Victorian residence, beautifully updated while preserving the charm and craftsmanship. Offering exceptional living space throughout, this character-filled home features original hardwood flooring, soaring ceilings adorned with stunning medallions, and an impressive decorative fireplace that anchors the inviting principal living spaces. The thoughtfully designed main level offers a spacious living room, formal dining area perfect for entertaining, a con…

Property details

MLS#

X13416140

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

2500-3000

Style

2 1/2 Storey

Type

Semi-Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Stone
Property features: Hospital, Park, School

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 23 × 144
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Other · Deck, Landscaped, Patio
Fronting on: East
Cross street: Victoria and Stinson
Basement: Full, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Water Heater
Parking features: Lane

Rooms

Level	Room	Dimensions
Ground	Living Room	4.06m × 9.65m
Ground	Dining Room	4.67m × 4.85m
Ground	Kitchen	4.44m × 3.51m
Ground	Bathroom	—
Second	Primary Bedroom	3.91m × 4.57m
Second	Sitting	1.88m × 3.71m
Second	Bedroom 2	3.91m × 3.66m
Second	Bedroom 3	3.66m × 2.54m
Second	Bathroom	—
Third	Bedroom 4	5.84m × 4.19m
Third	Bedroom 5	3.73m × 3.15m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $789,900✓ $5,030 tax✓ Gas✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,103/mo

incl. closing costs (yr 1)

Annual total

$73,232

year 1

Mortgage only

$2,997/mo

principal + interest

Beyond mortgage

$1,625/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$157,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$419/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/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%$7,899/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$12,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $35,960/yr

Property taxes24% $17,303/yr

Utilities7% $5,370/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,899/yr

Closing costs7% $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)	$35,960	$2,997/mo
Government & taxes
Property tax	$5,030	$419/mo
Land transfer tax(closing)	$12,273	$1,023/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,899	$658/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	$73,232	$6,103/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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101 Victoria Avenue

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Property details

Additional listing data

Rooms

Sales History

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Annual costs