192 Concession 14, Hamilton, ON
Rural Flamborough, Hamilton · MLS® X13165202
About this home
Tucked away on a beautiful 1.08-acre lot, this charming Cape Cod home is filled with character and thoughtful updates. From the pretty dormers to the inviting covered porch, the curb appeal is undeniable. Inside, a spacious and welcoming foyer with a walk-in front closet sets the tone for a well-designed floor plan. The living room features a cozy propane fireplace, while the formal dining room is perfect for hosting family and friend dinners and holiday gatherings. The updated, character-filled family room offers a wood-burning fireplace, built-ins, ceiling beams and access to a covered deck overlooking the private, serene backyard and pool. The eat-in kitchen includes a walk-in pantry and the main level also features a large laundry room with a laundry sink and space for an extra fridge or freezer. The oversized garage offers inside entry to the home and features a propane heater and an upper-level loft area, providing excellent storage or workshop space. Upstairs, you'll find 3 generous-sized bedrooms while the finished basement adds a 4th bedroom, a rec room with egress window, a 3-piece bathroom and ample storage space. Outside, the incredible outdoor living space truly shines with a 20' x 40' heated saltwater pool with an 8' deep end, hot tub, armour stone, paver stones surrounding the pool and a convenient pool shed, all set within a peaceful, private and serene setting. Numerous updates include siding in 2018, roof in 2020, covered porch and front walkway in 2020 and fascia, soffit, eaves and pot lights in 2021. This is all is all set in a quiet, beautiful location buyers will love. RSA.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13165202
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000
- Lot
- 199 × 208.12 ft
- Cross streets
- Centre Rd & Concession 14 E
- Parking
- 2 garage · 12 parking (attached)
- Driveway
- Inside Entry, Private Double
- Basement
- Full, Partially Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Pool
- Inground
- Property tax
- $10,698 / 2025
- Days on market
- 58
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
Hardwood Floor
3 Pc Bath
Hardwood Floor
Hardwood Floor
2 Pc Bath
4 Pc Ensuite
4 Pc Bath
fireplace · hardwood floor
Hardwood Floor
Hardwood Floor
eat-in kitchen · double sink
Listed at $1,549,900, this home is about 20% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
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 $3.01M, higher than the comparables and worth a second look. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $1.20M
- Size difference +$354K
- Bedrooms −$30K
- Adjusts to $1.52M
That comparable adjusts to $1.52M; the $1.95M 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. Concession at Upper Wellington is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $1.95M, 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Value driver
- Weigh carefully
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 32% below the area average of $832/sqft.
54 days longer than the Hamilton average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rural Flamborough, 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: Concession at Upper Wellington, about 146 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
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 20, 2026); conventional rates run a little higher.
Mortgage amount $1,239,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,617
- Property tax
- $892
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,508
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $27,473
- Estimated closing costs
- $27,473
Plus your down payment of $309,980. 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
- $397,000
- Principal paid down
- $157,904
- Interest paid
- $239,096
- Balance remaining
- $1,082,016
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 ESCARPMENT REALTY INC.. MLS®/PropTx.