$615K · 2 bed Detached · Westdale, Hamilton

Loading neighbourhood intel…

About this home

Fantastic opportunity in Westdale North, a sweet 2 bedroom detached home with parking for 2 with a private side drive. Loads of character details still in place including original wood floors in the living & dining room, plate rails, coved ceiling, french doors and a cozy gas fireplace. You have a spacious eat in kitchen with generous pantry storage, and sliding patio doors leading out to a private deck and mature yard in full bloom - it's as if you're in your own private oasis in the middle of…

Property details

MLS#

X13419012

Status

Conditionally Sold

Beds

Baths

1 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block
Other structures: Garden Shed
Property features: Fenced Yard, Library, Public Transit

Fireplaces: 1
Fireplace features: Natural Gas

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 30 × 109
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick · Landscaped
Fronting on: East
Cross street: Dufferin
Basement: Unfinished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Water Heater
Parking features: Private

Level	Room	Dimensions
Main	Living Room	3.89m × 3.42m
Main	Dining Room	3.6m × 3.84m
Main	Kitchen	2.88m × 5.27m
Main	Bedroom	2.91m × 2.7m
Main	Bedroom 2	2.76m × 2.7m
Main	Bathroom	1.71m × 2.29m
Lower	Utility Room	10.3m × 6.16m
—	—	—

Level

Room

Dimensions

Main

Living Room

3.89m × 3.42m

Main

Dining Room

3.6m × 3.84m

Main

Kitchen

2.88m × 5.27m

Main

Bedroom

2.91m × 2.7m

Main

Bedroom 2

2.76m × 2.7m

Main

Bathroom

1.71m × 2.29m

Lower

Utility Room

10.3m × 6.16m

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $615,000✓ $5,390 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,914/mo

incl. closing costs (yr 1)

Annual total

$58,972

year 1

Mortgage only

$2,333/mo

principal + interest

Beyond mortgage

$1,392/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$123,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$449/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 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%$6,150/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$8,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $27,997/yr

Property taxes24% $14,165/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,150/yr

Closing costs9% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,997	$2,333/mo
Government & taxes
Property tax	$5,390	$449/mo
Land transfer tax(closing)	$8,775	$731/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%)	$6,150	$513/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	$58,972	$4,914/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.

Unlock Insider Deals

Sign in

48 Longwood Road

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs