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$719K · 2+1 bed Detached · Balfour, Hamilton | MyPropertyScout

$719,000

94 Howard Avenue

2+13OwnerOccupied

Map

$719,000

D●●●○○DOM15days

94 Howard Avenue

Hamilton · Ontario L9A 2W5

MLS® X13430816 · Balfour · L9A 2W5

2+13OwnerOccupied700-1100 ft²DetachedNone15d$799/ft²Lot 50 x 103 ft$4,433 tax/yrBuilt 195175 yrs old

7% above market · 15 days on market

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

About this home

94 Howard Avenue is a warm and welcoming two-storey home on that balances everyday comfort with modern updates throughout. Conveniently located in one of Hamilton's most connected Central Mountain neighbourhoods. Nicely set-up with an IN-LAW SUITE! The main level greets you with a bright and spacious living room, tastefully renovated kitchen plus dining area with walkout to the yard. Head upstairs to a beautifully redesigned bedroom level where the primary bedroom connects to a dressing room tha…

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Property details

MLS#: X13430816
Status: Buy Now
Beds: 2+1
Baths: 3 full, 0 half
Size: 700-1100
Style: 2-Storey
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Concrete Block
Other structures: Fence - Full, Garden Shed, Gazebo, Storage
Property features: Cul de Sac/Dead End, Fenced Yard, Public Transit, School

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 50 × 103
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Other · Deck, Hot Tub
Fronting on: West
Cross street: Upper James and Mcelroy
Basement: Apartment, Separate Entrance, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, In-Law Suite
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Living Room	4m × 4.1m
Main	Dining Room	2.5m × 3.1m
Main	Kitchen	2.8m × 3.1m
Second	Bathroom	1.68m × 1.52m
Second	Bedroom	2.7m × 4.3m
Second	Bedroom 2	2.9m × 2.3m
Second	Other	3.6m × 4.2m
Basement	Bedroom 3	2m × 2.5m
Basement	Kitchen	1.5m × 2.4m
Basement	Living Room	3.6m × 4.3m
Basement	Bathroom	2.3m × 1.3m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: COLDWELL BANKER COMMUNITY PROFESSIONALS

Source: TRREB/PROPTX · MLS® X13430816

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$719K

94 Howard Avenue · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $719,000✓ $4,433 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,489/mo

incl. closing costs (yr 1)

Annual total

$65,870

year 1

Mortgage only

$2,728/mo

principal + interest

Beyond mortgage

$1,399/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$143,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$369/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%$7,190/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$10,855

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $32,732/yr

Property taxes23% $15,288/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,190/yr

Closing costs8% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$32,732	$2,728/mo
Government & taxes
Property tax	$4,433	$369/mo
Land transfer tax(closing)	$10,855	$905/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%)	$7,190	$599/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	$65,870	$5,489/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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94 Howard Avenue

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs