$270K · 1 bed Condo Apartment · Central, Hamilton

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About this home

Priced to sell! Welcome to Hamilton's newest modern condo in a prime central location. Just minutes from McMaster University, Mohawk College, and GO Bus express, this stylish studio is perfect for students, first-time buyers, commuters, or investors. Features include 9-ft ceilings, an open-concept layout, stone countertops, stainless steel appliances, in-suite laundry, and a private balcony with northern sunset views. Enjoy easy access to downtown shopping, dining, and the arts district. Buildin…

Property details

MLS#

X13424802

Status

Conditionally Sold

Beds

Baths

1 full, 0 half

Size

0-499

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Clear View, Hospital, Park, Public Transit

Condo corp #: 625
Balcony: Open
Locker: Owned
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: King St W & Queen St S
Basement: None
Stories: 11
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: None

Level	Room	Dimensions
Main	Kitchen	2.97m × 2.8m
Main	Bedroom	2.97m × 2.2m
Main	Living Room	2.97m × 1.8m

Level

Room

Dimensions

Main

Kitchen

2.97m × 2.8m

Main

Bedroom

2.97m × 2.2m

Main

Living Room

2.97m × 1.8m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $269,900✓ $2,712 tax✓ Gas✓ 0-499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,807/mo

incl. closing costs (yr 1)

Annual total

$33,687

year 1

Mortgage only

$1,024/mo

principal + interest

Beyond mortgage

$1,115/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$53,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$226/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~250 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%$2,699/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

Condo / HOA fees (mo)$19/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,524

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $12,287/yr

Property taxes16% $5,236/yr

Utilities12% $3,960/yr

Insurance & security5% $1,600/yr

Maintenance8% $2,699/yr

Condo fees8% $2,806/yr

Closing costs15% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$12,287	$1,024/mo
Government & taxes
Property tax	$2,712	$226/mo
Land transfer tax(closing)	$2,524	$210/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%)	$2,699	$225/mo
Condo fees
Condo / HOA fees	$2,806	$234/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	$33,687	$2,807/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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Annual costs