$990K · 6 bed Detached · Blakeley, Hamilton

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About this home

An exceptional investment opportunity in Hamilton's St.Clair/Blakeley neighbourhood. This skillfully renovated century home offers over 2,100 sq ft of finished living space across three self-contained units, making it an ideal investment property OR an incredible multi-generational home for a large family. Configured as a legal duplex with an in-law suite, it delivers strong rental income potential OR the flexibility to live in one unit while leasing the others potentially bringing your total ho…

Property details

MLS#

X13417808

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

1500-2000

Style

2 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block
Property features: Hospital, Park, Place Of Worship, Public Transit, School

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 28 × 95
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding, Brick · Paved Yard, Porch
Fronting on: East
Cross street: CUMBERLAND AVE
Basement: Finished, Full, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, In-Law Suite, Primary Bedroom - Main Floor, Separate Hydro Meter
Parking features: Front Yard Parking, Private Triple

Rooms

Level	Room	Dimensions
Main	Kitchen	3.94m × 6.5m
Main	Primary Bedroom	3.53m × 3.56m
Main	Bathroom	—
Second	Kitchen	3.45m × 3.76m
Second	Living Room	2.95m × 5.74m
Second	Primary Bedroom	3.17m × 3.45m
Second	Laundry	1.75m × 1.83m
Second	Bathroom	—
Third	Bedroom 2	3.48m × 4.95m
Third	Bedroom 3	3.07m × 5.46m
Basement	Kitchen	3.86m × 5.87m
Basement	Bathroom	—
Basement	Primary Bedroom	2.72m × 3.99m
Basement	Bedroom 2	2.92m × 3.53m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $989,900✓ $5,409 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,323/mo

incl. closing costs (yr 1)

Annual total

$87,875

year 1

Mortgage only

$3,755/mo

principal + interest

Beyond mortgage

$1,753/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$197,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$451/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$9,899/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$16,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $45,064/yr

Property taxes25% $21,682/yr

Utilities5% $4,530/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,899/yr

Closing costs6% $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)	$45,064	$3,755/mo
Government & taxes
Property tax	$5,409	$451/mo
Land transfer tax(closing)	$16,273	$1,356/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$9,899	$825/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	$87,875	$7,323/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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204 Balsam Avenue

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs