$410K · 3 bed Semi-Detached · Stipley, Hamilton

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About this home

Welcome to 34 Edward Street!This Gibson all brick home is the perfect opportunity for first time buyers to start their home ownership journey. Main floor features a well lit living space, large dedicated dining room and kitchen with access to back deck and yard. Upstairs you'll find 3 bedrooms, renovated 4-piece bath and linen closet. The basement has laundry and tons of storage space. 34 Edward Street offers parking for 1 car, covered front porch, large back deck with pergola and yard space to…

Property details

MLS#

X13419618

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

700-1100

Style

2-Storey

Type

Semi-Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Stone
Property features: Fenced Yard, Hospital, Library, Park, Place Of Worship, Public Transit

Garage: None
Garage spaces: 0
Parking: 1 total
Lot: 17 × 100
Heating: Forced Air
Heating fuel: Gas
Cooling: Other
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick · Deck, Porch
Fronting on: South
Cross street: Lottridge Street
Basement: Full, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: Private

Level	Room	Dimensions
Main	Living Room	3.02m × 3.06m
Main	Dining Room	3.95m × 3.31m
Main	Kitchen	3.54m × 2.64m
Second	Primary Bedroom	2.32m × 4.21m
Second	Bedroom 2	3.62m × 2.7m
Second	Bedroom 3	2.77m × 2.24m
Second	Bathroom	—
Basement	Laundry	—

Level

Room

Dimensions

Main

Living Room

3.02m × 3.06m

Main

Dining Room

3.95m × 3.31m

Main

Kitchen

3.54m × 2.64m

Second

Primary Bedroom

2.32m × 4.21m

Second

Bedroom 2

3.62m × 2.7m

Second

Bedroom 3

2.77m × 2.24m

Second

Bathroom

—

Basement

Laundry

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $409,900✓ $2,403 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,375/mo

incl. closing costs (yr 1)

Annual total

$40,495

year 1

Mortgage only

$1,555/mo

principal + interest

Beyond mortgage

$972/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$81,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$200/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%$4,099/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$4,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $18,660/yr

Property taxes17% $7,076/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,099/yr

Closing costs13% $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)	$18,660	$1,555/mo
Government & taxes
Property tax	$2,403	$200/mo
Land transfer tax(closing)	$4,673	$389/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%)	$4,099	$342/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	$40,495	$3,375/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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34 Edward Street

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