451C MONTREAL Circle, Hamilton, ON
Winona Park, Hamilton · MLS® X13105730
About this home
Brand New Custom Built Home 2 Storey Home on Premium 40x164ft Deep Lot + To be Built in Desired Lakeside Community Encircled by other Gorgeous Homes in the Neighbourhood & Custom-Built Properties this Lot Offers Endless Options from Bungalow/Bungalow Loft & 2 Storey Designs with ADU Options + The Great Depth Allows Opportunity to Create a Backyard Oasis with Pool Sized Lot, 3+ Car Garage, Legal Basement Apartment/Multi Family Dwelling Option & More. Various Design Options Available, Custom Tailor Your Own Design & Finishes as Builder can build to Suit Your Needs. Take advantage of New HST Rebate Pricing & Cost Savings. Elevations finished with various options of materials, from beautiful Stone, Stucco & Brick & Inside provides open concept designs and various layout options and Current Modern Elegant Finishes Throughout the Interior of the Home. ++ All In Prime Lake Side Community W/ Great Schools, Quick QEW & Major Highway Access, Large Shopping Centres, Local Shops, Marina's, Parks, Trails, Local Farms/Vineyards, New Confederation GO Station, 15 Mins to Downtown Burlington & Centrally Located Between Toronto & the Niagara Region. ++ Great Opportunity & Value for Brand-New Custom-Built Home Suited to Your Needs!!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13105730
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500
- Lot
- 40 × 164 ft
- Cross streets
- FIFTY RD/KINGSTON RD
- Parking
- 2 garage · 6 parking (built-in)
- Driveway
- Private
- Basement
- Full
- Heating
- Forced Air
- A/C
- None
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $1 / 2026
- Days on market
- 70
- Listing brokerage
- SAM MCDADI REAL ESTATE INC.
Rooms
Combined w/Dining
Listed at $1,349,900, this home is about 29% 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 ($600/sqft) is below the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Winona Park, so I widened the search to the surrounding area.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $0K, lower than the comparables and worth a second look.
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 $1.08M
- Adjusts to $1.08M
That comparable adjusts to $1.08M; the $1.05M estimate above is the median of all 5 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. VINCE MAZZA at WINONA CROSSING WEST is about a 13-minute walk away.
Total price vs nearby homes. Fair value about $1.05M, median of 5 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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Open-concept layout: modern, sought-after flow.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Income potential
- Weigh carefully
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 7% below the area average of $648/sqft.
68 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Winona Park, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: VINCE MAZZA at WINONA CROSSING WEST, about 1.1 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 17, 2026); conventional rates run a little higher.
Mortgage amount $1,079,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,763
- Property tax
- $0
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,763
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $23,473
- Estimated closing costs
- $23,473
Plus your down payment of $269,980. 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
- $345,771
- Principal paid down
- $137,528
- Interest paid
- $208,243
- Balance remaining
- $942,392
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 SAM MCDADI REAL ESTATE INC.. MLS®/PropTx.