78 North Oval, Hamilton, ON
Westdale, Hamilton · MLS® X12978150
About this home
This fully renovated, move-in ready all-brick two-storey home offers exceptional flexibility for families, investors, or multi-generational living. Featuring two separate entrances, this property provides an excellent opportunity for additional rental income or a mortgage helper. The main floor offers a bright and spacious living room filled with natural light, a beautifully updated kitchen, one large bedroom with an attached sunroom (ideal for a home office or relaxation space), plus two additional bedrooms with closets and generous common living areas. The second floor features three well-sized bedrooms and a full bathroom with a double sink vanity. The primary bedroom includes a 3-piece ensuite and a walk-in closet, providing comfort and privacy. The finished basement with a separate entrance adds tremendous value and versatility, featuring two bedrooms, a full bathroom, a sitting area, a functional kitchen, and separate laundry, ideal for extended family or potential rental income. Additional Features: Fully renovated interior. Parking for up to three vehicles. Separate laundry for convenience. Functional layout with income . Located in a high-demand Hamilton neighbourhood, close to McMaster University, hospitals, major highways, public transit, shopping, restaurants, and coffee shops.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X12978150
- Bedrooms
- 8 (6 + 2)
- Bathrooms
- 4
- Size
- 2000-2500
- Lot
- 100.2 × 35.18 ft
- Cross streets
- Paisley Ave N/King St W
- Parking
- 1 garage · 3 parking (detached)
- Driveway
- Private
- Basement
- Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Brick
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $5,100 / 2025
- Days on market
- 99
- Listing brokerage
- JOYNET REALTY INC.
Rooms
laminate · window · closet
closet · laminate · window
pot lights · large window · laminate
laminate · pot lights · closet
laminate · window
stainless steel appl · pot lights · ceramic floor
laminate · window · closet
laminate · large window · fireplace
3 pc ensuite · large window · walk-in closet(s)
closet · laminate · window
stainless steel appl · laminate
laminate · window
Heads up: the asking price here sits well below what comparable listings suggest. In this market that usually means it is priced to draw multiple offers, so plan for competition and a final number above asking. 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, this is a very walkable address with everyday errands close by. KING at PAISLEY is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Primary suite: a key comfort and resale feature.
- 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 1 closest active listing nearby.
See all comparable homesThis home lists 34% below the area average of $610/sqft.
97 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Westdale, 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 PAISLEY, about 123 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 $719,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,842
- Property tax
- $425
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,267
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,473
- Estimated closing costs
- $14,473
Plus your down payment of $179,980. 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
- $230,506
- Principal paid down
- $91,682
- Interest paid
- $138,824
- Balance remaining
- $628,238
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 JOYNET REALTY INC.. MLS®/PropTx.