22 Vance Crescent, Hamilton, ON
Waterdown, Hamilton · MLS® X13039256
About this home
Welcome to 22 Vance. This stunning four-level backsplit offers over 2600 sq ft of meticulously maintained interior space, with a bright, open layout that flows seamlessly throughout. A charming covered front porch welcomes you into a spacious foyer. The sun-filled living room features a beautiful picture window and overlooks the formal dining area, perfect for entertaining. The kitchen has been beautifully updated with crisp white cabinetry, a subway tile backsplash, top-of-the-line stainless steel appliances (including an induction stove and inverter fridge), and a convenient movable centre island. Upstairs, you'll find three generously sized bedrooms, including a primary retreat with double closets and custom organizers. The recently updated 4-piece bathroom offers ensuite privileges.The lower level provides exceptional additional living space, featuring a large family room with a cozy gas fireplace, two dedicated office areas, a wet bar, and an updated 3-piece bathroom. Walk out to your private patio and dream backyard, complete with mature landscaping, a hot tub, and plenty of space for relaxing or entertaining.The new and fully finished basement adds even more versatility, offering a spacious rec room, laundry area, garage access (with in-law potential), and ample storage. Ideally situated on a quiet court in most desirable East Waterdown, just minutes to Burlington, parks, trails, schools, highways, and all amenities, with convenient access to the GO. Additional updates include windows, roof, furnace, A/C, and front and garage doors. Detailed listed available. Move-in ready... Just unpack and enjoy your new home!
Key facts
- Property type
- Detached, Backsplit 4
- MLS®
- X13039256
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 45.25 × 152.13 ft
- Cross streets
- Dundas & Pamela
- Parking
- 1 garage · 5 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Walk-Up
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,815 / 2025
- Days on market
- 85
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
3 Pc Bath
4 Pc Bath
Listed at $999,900, this home is within the range of a wider set of listings, but with few close matches nearby, so worth confirming with a precise CMA. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 36 similar homes nearby, adjusted for size, beds, and baths.Median of 36 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $963K, a close match. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $995K
- Bathrooms −$15K
- Adjusts to $980K
That comparable adjusts to $980K; the $1.05M estimate above is the median of all 36 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. DUNDAS at BURKE is about a 4-minute walk away.
Total price vs nearby homes. Fair value about $1.05M, median of 36 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.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
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 17% below the area average of $684/sqft.
83 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Waterdown, 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: DUNDAS at BURKE, about 324 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 $799,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,269
- Property tax
- $485
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,753
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,473
- Estimated closing costs
- $16,473
Plus your down payment of $199,980. 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
- $256,120
- Principal paid down
- $101,870
- Interest paid
- $154,250
- Balance remaining
- $698,050
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 RIGHT AT HOME REALTY. MLS®/PropTx.