113 Whitefish Crescent, Hamilton, ON
Stoney Creek, Hamilton · MLS® X12901782
About this home
Just one block from Lake Ontario, in the desirable Fifty Point area of Stoney Creek, this lovely 4-bedroom home offers excellent curb appeal and a fully finished basement with a separate entrance-ideal for extended family or as an income-generating suite. The two-story foyer fills the open-concept main level with natural light. A separate dining room is perfect for entertaining, while the spacious family room with a gas fireplace opens into the eat-in kitchen. The large kitchen features abundant cabinetry, a generous island with a breakfast bar, a floor-to-ceiling pantry, and plenty of space for a table-perfect for family gatherings. Sliding doors lead to a balcony with access to the expansive backyard. California shutters enhance the many windows throughout the home.The second floor includes four well-sized bedrooms; the primary bedroom offers an ensuite bathroom and a walk-in closet. The basement features a fully equipped in-law suite complete with a kitchen, family room, bedroom, and bathroom. Conveniently located close to all amenities, the QEW, and the GO Train station.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X12901782
- Bedrooms
- 6 (4 + 2)
- Bathrooms
- 5
- Size
- 2000-2500
- Lot
- 40.03 × 100 ft
- Cross streets
- North Service Rd/Whitefish Cres
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Separate Entrance
- Kitchens
- 3 (1 + 2)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stucco (Plaster)
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,698 / 2025
- Days on market
- 120
- Listing brokerage
- INTERNATIONAL REALTY FIRM, INC.
Rooms
Fireplace
4 pc ensuite · walk-in closet(s)
window · closet
window · closet
window · closet
Listed at $1,209,900, this home is within the range of comparable homes, on the higher side. The number above is my independent estimate of value, not the asking price.
Based on 9 similar homes nearby, adjusted for size, beds, and baths.Median of 9 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.09M, a close match.
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 $899K
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $944K
That comparable adjusts to $944K; the $1.06M estimate above is the median of all 9 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. At 924 South Service is about a 4-minute walk away.
Total price vs nearby homes. Fair value about $1.06M, median of 9 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.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Income potential
- Value driver
- Lifestyle
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 homesThis home lists 10% above the area average of $490/sqft.
118 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
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: At 924 South Service, about 323 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 $967,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,165
- Property tax
- $558
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,723
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $20,673
- Estimated closing costs
- $20,673
Plus your down payment of $241,980. 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
- $309,911
- Principal paid down
- $123,265
- Interest paid
- $186,646
- Balance remaining
- $844,655
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 INTERNATIONAL REALTY FIRM, INC.. MLS®/PropTx.