431 Second Road, Hamilton, ON
Stoney Creek, Hamilton · MLS® X13052786
About this home
Welcome to estate style living in a poshy, exclusive, upscale pocket of Hamilton Mountain w/ incredible sight-lines overlooking the City of Hamilton and beyond. This modernized, re-developed, estate-style bungalow has enormous curb appeal w/ a well designed stone facade, uniform California style black trim windows set aloft a massive 75 x 200 ft hardwood treed lot that backs onto protected lands w/ a network of forested trails and paths. The home itself boasts 3 large bedrooms w/ 3 full baths, hardwood flooring throughout, pot lighting throughout, modern kitchen w/ SS appliances overlooking a massive backyard w/ a forest as your daily backdrop no matter the season. What a view!! Entertain guests and family alike as they breeze in and out from the open concept living quarters to w/o deck set top a well manicured open space that's great for family gatherings and outdoor fun. If that wasn't enough there is a sizeable 2 car extended detached garage in the back w/ upstairs loft that could be used for additional storage/office/den/play area/gym, the possibilities are endless. This could be an ideal setting for a mechanic or car enthusiast/weekend warrior looking to imbue his/her indelible mark onto whatever hobbies they so desire. And still if that wasn't enough there is a 2/bedrm/1washrm 1200+ sq ft basement appartment done to code/ w/ sep. entrance and multiple entry points and a full-sized kitchen that features newer SS appliances, washer and dryer, gas fireplace, enlarged windows and can fetch anywhere from $1800 to $2K mth. Plenty of space to park your trailers and other toys. It's outdoor living at its best and serves as the absolute perfect fit for that outdoors family looking to fully take advantage of all that nature has to offer while working in the city. Close to Red Hill Valley Parkway, QEW, HWYs 20 & 8, just mins to various Hamilton beaches, waterfront, marinas, Mohawk College, community parks, shopping, conveniences, amenities, schools, etc. Wont Last!!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13052786
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 3
- Size
- 1500-2000
- Lot
- 75 × 200 ft
- Cross streets
- Green Mountain Rd E & Second Road E
- Parking
- 3 garage · 15 parking (other)
- Driveway
- Private Double
- Basement
- Finished, Full
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $5,700 / 2026
- Days on market
- 81
- Listing brokerage
- RE/MAX REAL ESTATE CENTRE INC.
Rooms
4 Pc Bath
4 Pc Bath
Listed at $1,099,900, 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 Stoney Creek, 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 $890K, a bit lower.
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 $999K
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $1.04M
That comparable adjusts to $1.04M; the $1.02M 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 more car-dependent spot, so buyers here typically drive. UPPER CENTENNIAL at GREEN MOUNTAIN is about a 21-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.02M, 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.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Lifestyle
- 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 12% below the area average of $716/sqft.
79 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
Car-DependentA 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.
Almost all errands require a car.
🚉 Nearest transit: UPPER CENTENNIAL at GREEN MOUNTAIN, about 1.6 km 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 $879,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,696
- Property tax
- $475
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,171
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $18,473
- Estimated closing costs
- $18,473
Plus your down payment of $219,980. 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
- $281,735
- Principal paid down
- $112,058
- Interest paid
- $169,677
- Balance remaining
- $767,862
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.