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$950K · 4 bed Detached · Albion Falls, Hamilton | MyPropertyScout

$949,900

514 Old Mud Street

44OwnerOccupied

Map

$949,900

F●●○○○DOM15days

514 Old Mud Street

Hamilton · Ontario L8J 3X5

MLS® X13432898 · Albion Falls · L8J 3X5

44OwnerOccupied2000-2500 ft²Detached2-car Attached15d$422/ft²Lot 32.8 x 98.5 ft< .50 ac$6,386 tax/yr

16% above market · regional est. · 15 days on market

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

About this home

This beautifully maintained 4-bedroom, 3+1 bathroom home offers over 2,200 sqft of well-designed living space, perfect for growing families or multi-generational living. Located in a highly sought-after Stoney Creek, this home delivers comfort, convenience, and flexibility all in one. The main floor boasts a bright and open layout with spacious living and dining areas, perfect for entertaining. The functional kitchen offers ample cabinetry and flows seamlessly into the cozy family room-great for…

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Property details

MLS#: X13432898
Status: Buy Now
Beds: 4
Baths: 4 full, 0 half
Size: 2000-2500
Style: 2-Storey
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Hospital, School, School Bus Route, Public Transit

Garage: 2-car Attached
Garage spaces: 2
Parking: 4 total
Lot: 32.81 × 98.52
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: North
Cross street: Winterberry Drive
Basement: Full, Finished
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability, Water Heater
Parking features: Private Double

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Kitchen	4.04m × 3.45m
Main	Dining Room	3.66m × 3.45m
Main	Living Room	4.47m × 4.27m
Main	Powder Room	—
Second	Primary Bedroom	4.27m × 4.47m
Second	Bathroom	—
Second	Bedroom 2	3.96m × 4.39m
Second	Bedroom 3	3.35m × 3.48m
Second	Bedroom 4	3.35m × 3.48m
Second	Bathroom	—
Basement	Recreation	—
Basement	Bathroom	—
Basement	Laundry	—
Basement	Recreation	—

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: PSR

Source: TRREB/PROPTX · MLS® X13432898

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$950K

514 Old Mud Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $949,900✓ $6,386 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,188/mo

incl. closing costs (yr 1)

Annual total

$86,252

year 1

Mortgage only

$3,604/mo

principal + interest

Beyond mortgage

$1,836/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$189,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$532/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%$9,499/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$15,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $43,244/yr

Property taxes25% $21,859/yr

Utilities6% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,499/yr

Closing costs6% $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)	$43,244	$3,604/mo
Government & taxes
Property tax	$6,386	$532/mo
Land transfer tax(closing)	$15,473	$1,289/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%)	$9,499	$792/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	$86,252	$7,188/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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514 Old Mud Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs