77 Elford Crescent, Hamilton, ON
Vincent, Hamilton · MLS® X13065798
About this home
Welcome to Your Dream Home on a Premium Corner Lot! Step into this stunning, fully renovated detached home located in one of Hamilton's most sought-after neighbourhoods. Nearly rebuilt to the studs, this move-in ready masterpiece showcases exceptional craftsmanship with brand new plumbing and electrical systems-offering true peace of mind for years to come. The bright and inviting main floor is designed to impress, featuring a spacious living room with a custom wall unit and a dramatic floor-to-ceiling window that fills the space with natural light. The showstopper kitchen is perfect for modern living, complete with brand new stainless steel appliances, a striking marble-look island, and a walkout to your private backyard retreat-ideal for entertaining family and friends. Enjoy the elegance of carpet free flooring throughout, leading you upstairs to three generously sized bedrooms, including a luxurious primary suite with a spa-inspired ensuite, finished with marble touches and a deep soaker tub-your personal retreat after a long day. The fully finished basement offers incredible versatility with two additional bedrooms, a separate entrance, and rough-in for a second laundry-perfect for extended family or in-law suite potential. Step outside and experience your own private outdoor oasis featuring a brand new deck, sparkling pool, and two storage sheds-a rare find for relaxation and entertaining. Major Upgrades Include: A/C (2022) Furnace (2022) Roof (2021) Hot Water Tank - Owned (2025) Brand New Deck (2025) , Kitchen (2025), Bathrooms (2025) Additional Highlights: Furnace & Hot Water Tank Owned Premium Corner Lot Turnkey, Move-In Ready Close to Schools, Parks, Shopping & All Amenities. This home truly offers the perfect blend of style, comfort, and flexibility-ideal for families, investors, or anyone looking for a high-quality, worry-free property. A Rare Opportunity Not to Be Missed!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13065798
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 4 (1 half)
- Size
- 1100-1500
- Lot
- 55 × 100 ft
- Cross streets
- St Andrews Dr & Elford Cres
- Parking
- 1 garage · 5 parking (attached)
- Basement
- Apartment, Finished with Walk-Out, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $5,257 / 2025
- Days on market
- 78
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
carpet free · pot lights
centre island · laminate · pot lights
carpet free · pot lights
bay window · walk-out · built-in speakers
4 pc ensuite · double closet · casement windows
window · carpet free · closet
breakfast area · carpet free · pot lights
pot lights · bay window · carpet free
carpet free · pot lights
closet · carpet free · pot lights
Listing history
- Jun 17, 2026Listed$3,000
Price and status history from the listing board. Deemed reliable but not guaranteed.
Listed at $855,000, this home is about 18% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Priced above comparable homes overall, but the price per square foot ($658/sqft) is in line with the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Vincent, so I widened the search to the surrounding area.
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 $791K, 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 $699K
- Bedrooms −$30K
- Bathrooms +$15K
- Adjusts to $684K
That comparable adjusts to $684K; the $724K 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, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. QUIGLEY at ST. ANDREWS is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $724K, 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.
- 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.
- 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.
- Income potential
- Value driver
- Weigh carefully
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 4% below the area average of $684/sqft.
76 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Vincent, 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: QUIGLEY at ST. ANDREWS, about 191 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 $684,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,650
- Property tax
- $438
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,088
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,575
- Estimated closing costs
- $13,575
Plus your down payment of $171,000. 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
- $219,005
- Principal paid down
- $87,108
- Interest paid
- $131,897
- Balance remaining
- $596,892
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 RIGHT AT HOME REALTY. MLS®/PropTx.