79 Ann Street, Hamilton, ON
Dundas, Hamilton · MLS® X13214194
About this home
This rare double-wide and extra-long driveway, accommodating up to four vehicles, leads to a welcoming covered porch and stunning front door, ushering you into a bright family home. The spacious living room flows into the dining room, filled with natural light, and the eat-in kitchen boasts upgraded cabinetry and beautiful granite countertops, perfect for preparing gourmet meals. The main floor includes three generous-sized bedrooms, while a fourth bedroom on the lower level offers a walk-out to the backyard. The large, cozy great room next to the bedroom, a massive laundry room, oversized windows, and a full bathroom provide the potential for an in-law or nanny suite, ideal for multi-generational living. Located at the foot of the Escarpment in Dundas, also known as the Valley Town, this area is a haven for outdoor enthusiasts, with stunning waterfalls, trails, and conservation areas. The historic downtown blends small-town charm with vibrant urban life, featuring 19th-century architecture, an arts community with open studios, and boutique shops and eateries offering international cuisine, making it one of the most coveted areas in the Greater Toronto-Hamilton Area.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13214194
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 50.21 × 126.59 ft
- Cross streets
- Creighton Rd & Ann St
- Parking
- 1 garage · 5 parking (attached)
- Driveway
- Private
- Basement
- Finished with Walk-Out, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Above Ground
- Property tax
- $6,024 / 2025
- Days on market
- 52
- Listing brokerage
- eXp Realty
Rooms
Listed at $852,500, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Dundas, so I widened the search to the surrounding area.
Based on 18 similar homes nearby, adjusted for size, beds, and baths.Median of 18 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $950K, 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 $849K
- Bedrooms −$30K
- Bathrooms −$15K
- Adjusts to $804K
That comparable adjusts to $804K; the $889K estimate above is the median of all 18 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. Governors opposite Huntingwood is about a 4-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $889K, median of 18 comparables.
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 3% above the area average of $635/sqft.
48 days longer than the Hamilton average (4 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Dundas, 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 — groceries and transit are a drive away.
🚉 Nearest transit: Governors opposite Huntingwood, about 357 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 21, 2026); conventional rates run a little higher.
Mortgage amount $682,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,639
- Property tax
- $502
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,141
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,525
- Estimated closing costs
- $13,525
Plus your down payment of $170,500. 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
- $218,364
- Principal paid down
- $86,853
- Interest paid
- $131,511
- Balance remaining
- $595,147
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 eXp Realty. MLS®/PropTx.