20 Kingsmount Street, Hamilton, ON
Ainslie Wood, Hamilton · MLS® X13145400
About this home
Amazing Home For A Growing Family Or Investment Opportunity!! Renovated Top To Bottom With No Expenses Spared. Walking distance to McMaster University/ Hospital. Steps to Bus Stop, Grocery, Restaurant / Fast foods area.Large backyard with matured trees , Great forEntertaining.. 5 Total Bedrooms With 3 Baths. Separate Entrance W/ Secondary Kitchen And Separate Laundry. Beautiful Kitchen With High Gloss Cabinets, Quartz Counters & S/S Appliances. Large Fenced Backyard With Deck, Great For Entertaining. Detached Garage W/ Plenty Of Storage. Brand New Paved Driveway. Too Much To List.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13145400
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500
- Lot
- 35 × 144 ft
- Cross streets
- Main Street West & Leland
- Parking
- 1 garage · 5 parking (detached)
- Driveway
- Private
- Basement
- Separate Entrance, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Stone
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $5,614 / 2025
- Days on market
- 60
- Listing brokerage
- TEAM PANAG REAL ESTATE INC.
Rooms
quartz counter · stainless steel appl · custom backsplash
pot lights · large window · combined w/dining
w/o to deck · renovated · combined w/living
ceramic floor · pot lights · combined w/kitchen
hardwood floor · south view · closet
hardwood floor · west view · closet
ceramic floor · closet · staircase
ceramic floor · 3 pc bath
ceramic floor · pot lights · combined w/living
ceramic floor · pot lights
ceramic floor · pot lights
hardwood floor · east view · walk-in closet(s)
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn 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.
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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Income potential
- Value driver
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 24% above the area average of $564/sqft.
58 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Ainslie Wood, 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
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 $728,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,885
- Property tax
- $468
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,353
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,675
- Estimated closing costs
- $14,675
Plus your down payment of $182,000. 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
- $233,093
- Principal paid down
- $92,711
- Interest paid
- $140,382
- Balance remaining
- $635,289
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 TEAM PANAG REAL ESTATE INC.. MLS®/PropTx.