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$519K · 3 bed Semi-Detached · Central, Hamilton | MyPropertyScout

$519,000

29 Railway Street

32OwnerOccupied

Map

$519,000

DOM15days

29 Railway Street

Hamilton · Ontario L8R 2R4

MLS® X13430300 · Central · L8R 2R4

32OwnerOccupied1100-1500 ft²Semi-Detached None15d$399/ft²Lot 18.5 x 88.5 ft< .50 ac$3,551 tax/yr

15 days on market

About this home

Welcome to this beautifully renovated 3-bedroom, 1.5-bathroom home tucked away on a quiet street and backing directly onto Central Park. Thoughtfully updated throughout, this move-in ready property combines modern finishes with warm character and charm. Step inside to a welcoming entrance featuring exposed brick walls that add a unique touch of character. The bright dining room and spacious living room are filled with natural light, creating inviting spaces for both everyday living and entertain…

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Property details

MLS#: X13430300
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1100-1500
Style: 2-Storey
Type: Semi-Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Stone
Other structures: Garden Shed
Property features: Arts Centre, Hospital, Park, School, Public Transit, Place Of Worship

View: Park/Greenbelt

Garage: None
Garage spaces: 0
Parking: 0 total
Lot: 18.5 × 88.5
Heating: Radiant
Heating fuel: Gas
Cooling: Wall Unit(s)
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding · Patio
Fronting on: West
Cross street: Bay/York
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: None, Street Only

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Living Room	3.45m × 4.27m
Main	Dining Room	3.05m × 3.43m
Main	Kitchen	3.21m × 4.19m
Main	Laundry	1.91m × 3.25m
Second	Primary Bedroom	3.15m × 3.49m
Second	Bedroom	2.21m × 3.14m
Second	Bedroom	2.21m × 3.14m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE MEADOWTOWNE REALTY

Source: TRREB/PROPTX · MLS® X13430300

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$519K

29 Railway Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $519,000✓ $3,551 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,173/mo

incl. closing costs (yr 1)

Annual total

$50,075

year 1

Mortgage only

$1,969/mo

principal + interest

Beyond mortgage

$1,174/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$296/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$5,190/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$6,855

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $23,627/yr

Property taxes21% $10,406/yr

Utilities8% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,190/yr

Closing costs10% $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)	$23,627	$1,969/mo
Government & taxes
Property tax	$3,551	$296/mo
Land transfer tax(closing)	$6,855	$571/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,190	$433/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	$50,075	$4,173/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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29 Railway Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs