$470K · 3 bed Condo Townhouse · Templemead, Hamilton

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About this home

Welcome to Unit 25-1444 Upper Ottawa Street in Hamilton! This fully renovated townhome is nestled in the desirable Templemead neighborhood, just minutes from highway access, shopping, and top-rated schools. The main floor features vinyl-plank flooring throughout, a spacious living and dining area, a stunning new kitchen with quartz countertops and brand new stainless steel appliances, and a 2-piece bath. Upstairs, you'll find three very generously sized bedrooms, a beautifully updated main bath,…

Property details

MLS#

X13436598

Status

Conditionally Sold

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

2-Storey

Type

Condo Townhouse

Year built

—

Roof: Asphalt Shingle
Foundation: Block
Property features: Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre, School

Condo corp #: 87
Balcony: None
Locker: None
Association amenities: Visitor Parking
Fees include: Common Elements Included, Building Insurance Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Fireplaces: —
Waterfront: No
Exterior: Aluminum Siding, Brick
Fronting on: —
Cross street: Upper Ottawa St & Tunbridge Cres
Basement: Full, Unfinished
Stories: 1
Utilities: —
Laundry: In Basement
Interior: None
Parking features: Inside Entry, Private

Level	Room	Dimensions
Ground	Kitchen	2.34m × 3.81m
Ground	Dining Room	2.4m × 2.74m
Ground	Living Room	3.25m × 4.98m
Ground	Bathroom	0.91m × 1.98m
Second	Primary Bedroom	3.17m × 4.27m
Second	Bedroom 2	2.97m × 3.86m
Second	Bedroom 3	2.46m × 3.63m
Second	Bathroom	1.52m × 2.97m

Level

Room

Dimensions

Ground

Kitchen

2.34m × 3.81m

Ground

Dining Room

2.4m × 2.74m

Ground

Living Room

3.25m × 4.98m

Ground

Bathroom

0.91m × 1.98m

Second

Primary Bedroom

3.17m × 4.27m

Second

Bedroom 2

2.97m × 3.86m

Second

Bedroom 3

2.46m × 3.63m

Second

Bathroom

1.52m × 2.97m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $469,900✓ $2,367 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,239/mo

incl. closing costs (yr 1)

Annual total

$50,863

year 1

Mortgage only

$1,783/mo

principal + interest

Beyond mortgage

$1,508/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$93,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$197/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$4,699/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)$41/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $21,392/yr

Property taxes16% $8,240/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,699/yr

Condo fees12% $5,872/yr

Closing costs10% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,392	$1,783/mo
Government & taxes
Property tax	$2,367	$197/mo
Land transfer tax(closing)	$5,873	$489/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%)	$4,699	$392/mo
Condo fees
Condo / HOA fees	$5,872	$489/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	$50,863	$4,239/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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