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$750K · 5+1 bed Duplex · North End, Hamilton | MyPropertyScout

$749,900

550 James Street

5+13TenantOccupied

Map

$749,900

B●●○○○DOM17days

550 James Street

Hamilton · Ontario L8L 1J5

MLS® X13423124 · North End · L8L 1J5

5+13TenantOccupied2000-2500 ft²DuplexNone17d$333/ft²Lot 25 x 101.3 ft$4,827 tax/yrBuilt 1916110 yrs old

2% below market · regional est. · 17 days on market

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

About this home

Your dream duplex awaits-a home that can help pay for itself. Ideally located in Hamilton's desirable North End, just steps from Bayfront Park, West Harbour GO, and trendy James Street North restaurants, cafés and galleries. Whether you're an investor, owner-occupier seeking rental income, a multi-generational family, or someone looking to explore future development opportunities, this property checks all the boxes. Thoughtfully renovated from top to bottom, this legal duplex is currently genera…

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Property details

MLS#: X13423124
Status: Buy Now
Beds: 5+1
Baths: 3 full, 0 half
Size: 2000-2500
Style: 2 1/2 Storey
Type: Duplex
Year built: —

Roof: Asphalt Shingle
Foundation: Stone
Other structures: Shed
Property features: Beach, Fenced Yard, Marina, Park, Public Transit, School

Fireplace features: Electric, Natural Gas

Garage: None
Garage spaces: 0
Parking: 0 total
Lot: 25 × 101.25
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick · Deck, Hot Tub, Patio, Porch
Fronting on: East
Cross street: Wood St E
Basement: Apartment, Separate Entrance, Full, Walk-Up, Partially Finished
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, Separate Hydro Meter, Storage, Upgraded Insulation
Parking features: Street Only

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Primary Bedroom	4.04m × 3.53m
Main	Bedroom	4.04m × 3.12m
Main	Kitchen	3.53m × 4.78m
Main	Bathroom	—
Main	Living Room	3.35m × 4.17m
Second	Living Room	3.81m × 4.37m
Second	Kitchen	3.81m × 4.47m
Second	Bedroom	3.56m × 4.04m
Second	Bedroom	2.11m × 3.78m
Second	Bathroom	—
Third	Loft	5.08m × 13.34m
Basement	Bedroom	4.14m × 4.6m
Basement	Sitting	5.08m × 13.11m
Basement	Bathroom	—

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX ESCARPMENT GOLFI REALTY INC.

Source: TRREB/PROPTX · MLS® X13423124

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$750K

550 James Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $749,900✓ $4,827 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,799/mo

incl. closing costs (yr 1)

Annual total

$69,588

year 1

Mortgage only

$2,845/mo

principal + interest

Beyond mortgage

$1,540/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$149,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$402/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$7,499/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$11,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $34,139/yr

Property taxes23% $16,300/yr

Utilities7% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,499/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)	$34,139	$2,845/mo
Government & taxes
Property tax	$4,827	$402/mo
Land transfer tax(closing)	$11,473	$956/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,499	$625/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	$69,588	$5,799/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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550 James Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs