82 Margaret Avenue, Hamilton, ON
Stoney Creek, Hamilton · MLS® X12445115
About this home
*** Visit the REALTOR website for further information about this Listing *** This custom-built multi-generational luxury home offers the perfect blend of city living and cottage-like tranquility, backing directly onto the escarpment for unparalleled privacy and natural beauty. With a spacious 3-car garage and room for up to 9 additional vehicles in the driveway, its ideal for large families or entertaining guests. The grade-level separate entrance leads to a beautifully finished lower level with in-law suite potential, a private terrace and radiant in-floor heating throughout. Upstairs, the home features coffered ceiling in the primary bedroom, dining room, and a versatile room that can serve as a fourth bedroom or home office. Designed with entertaining in mind, the open-concept luxury kitchen flows seamlessly into the vaulted-ceiling family room, filled with natural light from large windows. The kitchen boasts high-end appliances including a double oven, Dacor gas cooktop, Miele steam oven, garburator, dishwasher and wine cooler. A walk-in pantry with plumbing rough-in offers potential for a second sink. Outside, the premium -sized lot is a blank canvas, ready for your dream oasis to come to life. Located just 45 minutes from both Toronto and Niagara Falls, this exceptional property is close to a new GO Station, shopping, wineries, walking trails, a marina, beach, water park and vibrant waterfront dining. Families will appreciate nearby Catholic, Public, and French Immersion schools, along with two high schools and a college focused on skilled trades and apprenticeships. This home truly combines luxury, location, and lifestyle.
Key facts
- Property type
- Detached, Bungalow-Raised
- MLS®
- X12445115
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 5 (2 half)
- Size
- 2000-2500
- Lot
- 44.91 × 225 ft
- Cross streets
- From Royce Ave to Margaret Avenue
- Parking
- 3 garage · 12 parking (attached)
- Driveway
- Available
- Basement
- Finished with Walk-Out, Full
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $8,741 / 2025
- Days on market
- 286
- Listing brokerage
- EASY LIST REALTY LTD.
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. HIGHWAY 8 at HOMESIDE is about a 8-minute walk away.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Open-concept layout: modern, sought-after flow.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Income potential
- Worth verifying
- Lifestyle
- Value driver
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homes284 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Stoney Creek, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: HIGHWAY 8 at HOMESIDE, about 623 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Hamilton.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Homes over $1.5M can't be insured, so 20% down or more is required.
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $2,703,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $14,425
- Property tax
- $728
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $15,154
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $70,950
- Estimated closing costs
- $70,950
Plus your down payment of $675,800. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $865,517
- Principal paid down
- $344,253
- Interest paid
- $521,264
- Balance remaining
- $2,358,947
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of EASY LIST REALTY LTD.. MLS®/PropTx.