3 Second Street, Hamilton, ON
Stoney Creek, Hamilton · MLS® X12950920
About this home
Welcome to this charming 2-storey home nestled in the heart of highly sought-after Olde Stoney Creek. Full of warmth and character, this lovingly maintained property showcases beautiful original trim and rich hemlock woodwork that truly sets it apart. Offering 3 bedrooms and 1.5 bathrooms, this home blends timeless charm with thoughtful updates. The bright and inviting sunroom is filled with natural light, creating the perfect space to relax, while the skylight-lit upper hallway adds even more brightness throughout. The main floor features a functional layout with an updated kitchen, updated bathrooms, and a cozy family room ideal for everyday living. Mechanically sound and meticulously cared for, this home includes updated windows (2015), furnace (2021), A/C (2015), a 200-amp electrical service with copper wiring, and copper plumbing throughout. The roof was replaced in 2016, and the detached 20 x 20 garage (2023) with hydro offers endless potential-perfect as a workshop, man cave, or easily convertible to additional functional space. Step outside to your private backyard oasis featuring a beautifully landscaped, kidney-shaped inground pool (refreshed in 2013) with a new pump and filter valve (2025), making it ideal for summer entertaining. Additional features include an owned hot water heater (2022), central vacuum with attachments, and an unfinished basement offering great storage or future potential. Located in a quiet, established neighbourhood known for its charm, mature trees, and strong sense of community, Olde Stoney Creek offers easy access to parks, schools, shopping, and the waterfront-making it a perfect place to call home. This property is truly immaculate and full of character-you don't find homes like this often.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X12950920
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1500-2000
- Lot
- 50 × 100 ft
- Cross streets
- King Street And Lake Ave
- Parking
- 2 garage · 8 parking (detached)
- Driveway
- Private Double
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $5,243 / 2025
- Days on market
- 106
- Listing brokerage
- RE/MAX REAL ESTATE CENTRE INC.
Rooms
2 Pc Bath
4 Pc Bath
Listed at $724,999, this home is about 20% 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 $850K, 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 $785K
- Bedrooms −$30K
- Adjusts to $755K
That comparable adjusts to $755K; the $903K 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, this is a very walkable address with everyday errands close by. KING at LAKE is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $903K, 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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Value driver
- Weigh carefully
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 28% below the area average of $579/sqft.
104 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
Very 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.
Most daily errands can be done on foot.
🚉 Nearest transit: KING at LAKE, about 121 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 $579,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,095
- Property tax
- $437
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,532
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $10,975
- Estimated closing costs
- $10,975
Plus your down payment of $145,000. 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
- $185,705
- Principal paid down
- $73,863
- Interest paid
- $111,842
- Balance remaining
- $506,136
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 RE/MAX REAL ESTATE CENTRE INC.. MLS®/PropTx.