109 Ray Street, Hamilton, ON
Strathcona, Hamilton · MLS® X13229422
About this home
Meticulously cared for !! Entertainers dream in the Strathcona neighborhood just minutes to TD Coliseum, the Go Station and all amenities! . This luxury home comes at no spared expense. Custom built-in closets by Closets By Design have been installed in all bedrooms, laundry room and mudroom. Spacious bedrooms with walk-in closets in not one, but two bedrooms. Engineered hardwood floors throughout the open-concept main level and second level. Also features a chef's kitchen with quartz countertops, large island with double sink and garburator, and high-end stainless appliances including SmartThings convection oven with gas range. Cozy up in the fully finished basement featuring an elegant 5-piece bathroom with double sink. Attached garage with temperature-controlled heated floors, pot lights, built-in cabinets, roll-up garage door and enough ceiling height to install a lift and store two cars. Enjoy peace of mind with the owned Paradox home security system - no contract required. Concrete driveway wraps around the house and into the backyard for maintenance-free relaxing or entertaining. 200-amps on breakers. Walking distance to Victoria and Dundurn Park, Locke Street shops, and Bayfront Waterfront. Enjoy the benefits of a fully finished home with premium upgrades everywhere! This is a must see!!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13229422
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 4 (1 half)
- Size
- 1100-1500
- Lot
- 29.33 × 66 ft
- Cross streets
- Florence St and Ray St N
- Parking
- 1 garage · 2 parking (built-in)
- Driveway
- Private
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stucco (Plaster), Stone
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,871 / 2025
- Days on market
- 45
- Listing brokerage
- RE/MAX REAL ESTATE CENTRE INC.
Rooms
B/I Closet
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 very walkable address with everyday errands close by. YORK at RAY is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Heated floors: comfort and a premium-finish signal.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homes43 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Strathcona, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Very 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.
Most daily errands can be done on foot.
🚉 Nearest transit: YORK at RAY, about 66 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 18, 2026); conventional rates run a little higher.
Mortgage amount $759,960 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,055
- Property tax
- $573
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,628
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,474
- Estimated closing costs
- $15,474
Plus your down payment of $189,990. 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
- $243,326
- Principal paid down
- $96,781
- Interest paid
- $146,545
- Balance remaining
- $663,179
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 REAL ESTATE CENTRE INC.. MLS®/PropTx.