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$830K · 3 bed Semi-Detached · Strathcona, Hamilton | MyPropertyScout

$829,900

76 Pearl Street

32OwnerOccupied

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$829,900

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76 Pearl Street

Hamilton · Ontario L8R 2Y9

MLS® X13450374 · Strathcona · L8R 2Y9

32OwnerOccupied1100-1500 ft²Semi-Detached None10d$638/ft²Lot 17.7 x 98 ft< .50 ac$4,656 tax/yr

10 days on market

About this home

Welcome to this beautifully restored Victorian-era home, where historic character meets modern comfort. Built with solid double-brick construction and thoughtfully renovated throughout, this home offers timeless charm combined with the peace of mind of extensive modern upgrades. The fully updated electrical system has had all knob-and-tube wiring professionally removed and replaced. Major mechanical updates include a high-efficiency furnace (2016), central air conditioning (2018) and a new roof…

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MyStreetValue™ Analysis

$540,547 – $1,051,032estimated range

Midpoint: $867,730

Property details

MLS#: X13450374
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

Garage: None
Garage spaces: 0
Parking: 1 total
Lot: 17.66 × 98
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: West
Cross street: Pearl and York Blvd
Basement: Partially Finished
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: Private

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Living Room	3.38m × 3.85m
Main	Dining Room	3.11m × 5.6m
Main	Kitchen	2.92m × 5.9m
Second	Primary Bedroom	2.72m × 4.4m
Second	Bedroom 2	2.67m × 3.03m
Second	Bedroom 3	2.67m × 3.05m
Basement	Recreation	3.58m × 4.4m
Basement	Utility Room	5.32m × 4.4m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX REAL ESTATE CENTRE INC.

Source: TRREB/PROPTX · MLS® X13450374

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$830K

76 Pearl Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $829,900✓ $4,656 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,222/mo

incl. closing costs (yr 1)

Annual total

$74,661

year 1

Mortgage only

$3,148/mo

principal + interest

Beyond mortgage

$1,526/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$165,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$388/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%$8,299/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$13,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $37,781/yr

Property taxes24% $17,729/yr

Utilities6% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,299/yr

Closing costs7% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$37,781	$3,148/mo
Government & taxes
Property tax	$4,656	$388/mo
Land transfer tax(closing)	$13,073	$1,089/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%)	$8,299	$692/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	$74,661	$6,222/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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76 Pearl Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs