102 Cumming Court, Hamilton, ON
Ancaster, Hamilton · MLS® X13105722
About this home
Crafted with exceptional attention to detail and completed in 2025 (Tarion warranty), this custom two-storey luxury home offers nearly 6,000 sqft. of finished living, 5+1 bedrooms, OR 6 total baths, and a contemporary transitional design blending sophistication with family-friendly functionality. Situated on a 75 x 105 ft lot in Ancaster's Nakoma neighbourhood, it features striking curb appeal with a stone-and-stucco exterior and a 2.5-car triple tandem garage. Inside, soaring 9 ft ceilings on all three levels, wide-plank white oak hardwood, 8 ft solid core doors, 9" baseboards, and oversized windows create a sense of grandeur. The 19-ft great room showcases floor-to-ceiling windows and a 42" gas fireplace flanked by custom cabinetry. A main-floor office with built-ins, formal dining room, and powder room provide elegant, purposeful spaces, while the dining table converts into a pool table for dual-purpose entertaining. The gourmet kitchen features black cabinetry, a 9' x 5' waterfall quartz island, full-slab quartz backsplash, champagne and honey bronze fixtures, Bertazzoni appliances, and a walk-in pantry and servery with black stainless-steel sink. Adjacent are the mudroom/laundry with garage entry and a main-level bedroom with ensuite. Upstairs, four bedrooms each have ensuite access, including a primary retreat with 10 ft tray ceiling, oversized walk-in closet, linear fireplace, and spa-inspired 5-piece ensuite with heated floors. The finished lower level offers 9 ft ceilings, oversized windows, sixth bedroom, full bathroom, linear fireplace, and endless possibilities. Additional features include radon mitigation, 200-amp service, hardwired security system, and DryCore subfloor. Outside, the back patio provides a starting point for a dream outdoor space, with a pre-approved building permit for an in-ground pool and gas lines for BBQ. Centrally located, this home offers walkability to schools, parks, shops, and quick access to Hwy 403.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13105722
- Bedrooms
- 6 (5 + 1)
- Bathrooms
- 6 (1 half)
- Size
- 3500-5000
- Lot
- 75.33 × 104.61 ft
- Cross streets
- Fiddlers Green
- Parking
- 25 garage · 65 parking (attached)
- Driveway
- Private Double
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $15,399 / 2025
- Days on market
- 71
- Listing brokerage
- ROYAL LEPAGE STATE REALTY
Rooms
3 Pc Ensuite
5 Pc Ensuite
3 Pc Ensuite
4 Pc Ensuite
3 Pc Bath
2 Pc Bath
Listed at $2,495,000, this home is about 11% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Based on 13 similar homes nearby, adjusted for size, beds, and baths.Median of 13 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $3.07M, 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 $2.65M
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $2.69M
That comparable adjusts to $2.69M; the $2.79M estimate above is the median of all 13 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. Transit is limited nearby. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $2.79M, median of 13 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Heated floors: comfort and a premium-finish signal.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Lifestyle
- Weigh carefully
- Worth verifying
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 12% below the area average of $666/sqft.
69 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Ancaster, 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.
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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $1,996,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $10,651
- Property tax
- $1,283
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $11,935
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $48,850
- Estimated closing costs
- $48,850
Plus your down payment of $499,000. 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
- $639,084
- Principal paid down
- $254,191
- Interest paid
- $384,893
- Balance remaining
- $1,741,809
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 ROYAL LEPAGE STATE REALTY. MLS®/PropTx.