20 Cardinal Drive, Hamilton, ON
Bruleville, Hamilton · MLS® X13035560
About this home
Welcome to this Hamilton Mountain bungalow in Bruleville, a meticulously maintained home offering incredible versatility for buyers. This spotless 2+1 bedroom, 2-bathroom residence features a bright, functional layout originally designed with three bedrooms on the main floor; the third bedroom was converted to a dining room and can be effortlessly transitioned back to suit your needs. The fully finished basement adds massive value, featuring an additional bedroom and a separate side entrance leading to a spacious finished living area with prime income potential as an in-law suite or second unit conversion. From the professionally built brand-new front porch and rear deck to the impeccably kept interior, this home radiates pride of ownership throughout. Whether you are looking for a turn-key family residence or an investor-friendly property with exceptional potential in a prime location, this home delivers unmatched quality and space. Move in and enjoy!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13035560
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 2 (2 half)
- Size
- 700-1100
- Lot
- 50 × 101.59 ft
- Cross streets
- Fieldway Drive
- Parking
- 4 parking
- Driveway
- Private
- Basement
- Full, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,461 / 2025
- Days on market
- 85
- Listing brokerage
- REAL BROKER ONTARIO LTD.
Rooms
4 Pc Bath
2 Pc Bath
Listed at $649,900, 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.
There were not many closely comparable homes right in Bruleville, so I widened the search to the surrounding area.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $679K, a bit higher.
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 $880K
- Adjusts to $880K
That comparable adjusts to $880K; the $570K estimate above is the median of all 7 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. MOHAWK opposite SEVEN OAKS is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $570K, median of 7 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.
- Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 28% above the area average of $566/sqft.
83 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Bruleville, 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: MOHAWK opposite SEVEN OAKS, about 113 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 18, 2026); conventional rates run a little higher.
Mortgage amount $519,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,774
- Property tax
- $372
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,146
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,473
- Estimated closing costs
- $9,473
Plus your down payment of $129,980. 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
- $166,469
- Principal paid down
- $66,212
- Interest paid
- $100,257
- Balance remaining
- $453,708
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 REAL BROKER ONTARIO LTD.. MLS®/PropTx.