304 St Andrews Drive, Hamilton, ON
Vincent, Hamilton · MLS® X13210986
About this home
Welcome to this beautifully maintained 3+1 bedroom home located in one of Hamilton's most desirable neighbourhoods. Backing onto a peaceful ravine, this property offers privacy, nature views, and a stunning fully fenced backyard perfect for relaxing or entertaining. The spacious main floor features a bright and inviting living and dining room area enhanced by large windows that fill the space with natural light. Three generous bedrooms are located on the main level, including one with sliding doors leading to a large deck overlooking the backyard. Convenient inside entry from the garage adds to the home's functionality. The fully finished basement boasts a massive family room with a cozy fireplace, an additional bedroom, and a 3-piece bathroom, offering excellent potential for an in-law suite or multi-generational living setup. Ideally situated close to schools, parks, shopping, and all amenities, this fantastic home is one you won't want to miss!
Key facts
- Property type
- Detached, Sidesplit
- MLS®
- X13210986
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 55 × 102 ft
- Cross streets
- Greenhill Ave
- Parking
- 1 garage · 3 parking (attached)
- Driveway
- Front Yard Parking, Inside Entry
- Basement
- Development Potential, Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stucco (Plaster)
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,225 / 2026
- Days on market
- 50
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
3 Pc Bath
Walk-In Closet(s)
4 Pc Bath
Listed at $739,000, this home is tracking about 7% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $804K, 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 $715K
- Bedrooms +$30K
- Adjusts to $745K
That comparable adjusts to $745K; the $795K estimate above is the median of all 7 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. GREENHILL at PUTTING is about a 3-minute walk away.
Total price vs nearby homes. Fair value about $795K, median of 7 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.
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Worth verifying
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 16% below the area average of $678/sqft.
48 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: GREENHILL at PUTTING, about 201 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 $591,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,155
- Property tax
- $435
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,590
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,255
- Estimated closing costs
- $11,255
Plus your down payment of $147,800. 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
- $189,292
- Principal paid down
- $75,289
- Interest paid
- $114,002
- Balance remaining
- $515,911
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.