92 St. Andrews Drive, Hamilton, ON
Vincent, Hamilton · MLS® X12901022
About this home
Welcome to this condo townhouse in a highly desirable area, offering a spacious and functional layout across 2 floors plus a finished basement. With 3 large bedrooms and 1.5 bathrooms, this home is perfect for families, first-time buyers, or anyone looking for comfortable, low-maintenance living. The bright and inviting main floor features a well-designed layout that flows seamlessly between living and dining spaces and into the kitchen. The main floor also contains a powder room and direct access from the 1 car garage. Upstairs, you'll find three large bedrooms and a full bathroom, with the master bedroom having a large walk in closet. The finished basement adds valuable extra living space, perfect for a recreation room, home office, gym, or play area. Step outside to your private backyard, complete with a charming gazebo and storage shed. Located in a highly desirable area, this home is just minutes from great schools, parks, scenic trails, shopping, and major highways, making commuting and daily errands a breeze. Low maintenance fees at just $395 per month which includes exterior maintenance and water. Don't miss the opportunity to own this spacious move-in-ready home in an unbeatable family friendly location!
Key facts
- Property type
- Condo Townhouse, 2-Storey
- MLS®
- X12901022
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1400-1599
- Cross streets
- Albright/Quigley
- Parking
- 1 garage · 3 parking (attached)
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Maintenance
- $395/mo
- Exposure
- North
- Property tax
- $3,113 / 2025
- Days on market
- 120
- Listing brokerage
- MICHAEL ST.JEAN REALTY INC.
Rooms
Listed at $519,000, this home is about 15% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Based on 8 similar homes nearby, adjusted for size, beds, and baths.Median of 8 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $485K, a bit lower.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $540K
- Size difference +$82K
- Bedrooms −$30K
- Bathrooms −$15K
- Adjusts to $576K
That comparable adjusts to $576K; the $609K estimate above is the median of all 8 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. QUIGLEY at ST. ANDREWS is about a 5-minute walk away.
Total price vs nearby homes. Fair value about $609K, median of 8 comparables.
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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Primary suite: a key comfort and resale feature.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 16% below the area average of $413/sqft.
98 days longer than the Hamilton average (22 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Vincent, 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: QUIGLEY at ST. ANDREWS, about 371 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
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 $415,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,216
- Property tax
- $259
- Condo / maintenance fees
- $395
- Heating
- $0
- Estimated monthly cost
- $2,870
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $6,855
- Estimated closing costs
- $6,855
Plus your down payment of $103,800. 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
- $132,940
- Principal paid down
- $52,876
- Interest paid
- $80,064
- Balance remaining
- $362,324
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
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 MICHAEL ST.JEAN REALTY INC.. MLS®/PropTx.