226 Bel Air Avenue, Hamilton, ON
Winona, Hamilton · MLS® X13231272
About this home
Welcome to the sought-after community of Winona, where quiet streets meet stunning escarpment views and everyday convenience. Ideally located just minutes from schools, parks, the QEW, and Winona Crossing Super Centre, this home offers the perfect balance of lifestyle and accessibility. Thoughtfully maintained and enhanced, the home features a spacious primary bedroom rarely found in similar properties. The updated kitchen is designed to impress, showcasing stainless steel appliances, granite countertops, and pot lighting, all while overlooking the backyard-ideal for keeping an eye on the kids as they play or simply enjoying the peaceful outdoor view while cooking or entertaining. The main level offers three generously sized bedrooms, while the fully finished lower level adds two additional bedrooms, bringing the total to five. With a separate entrance and walk-up to the backyard, the lower level also includes a beautifully appointed kitchen and living space-ideal for in-law living or additional income potential. Step outside to your private, fully fenced backyard oasis, complete with a deck off the kitchen-perfect for relaxing or hosting gatherings. Two sheds are included for additional storage. A versatile home in a prime location-this is one you won't want to miss.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13231272
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 57 × 141.9 ft
- Cross streets
- HWY 8/Bel Air Ave
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,771 / 2025
- Days on market
- 45
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
Listing history
- Jul 17, 2026Listed$745,000
Price and status history from the listing board. Deemed reliable but not guaranteed.
Listed at $745,000, this home is about 26% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Below comparable homes on total price, yet the price per square foot ($573/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
There were not many closely comparable homes right in Winona, so I widened the search to the surrounding area.
Based on 6 similar homes nearby, adjusted for size, beds, and baths.Median of 6 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $753K, lower than the comparables and worth a second look.
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 $745K
- Adjusts to $745K
That comparable adjusts to $745K; the $1.01M estimate above is the median of all 6 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. Transit is limited nearby. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.01M, median of 6 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.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Income potential
- Weigh carefully
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 homesThis home lists 2% above the area average of $560/sqft.
43 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Winona, 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 17, 2026); conventional rates run a little higher.
Mortgage amount $596,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,180
- Property tax
- $398
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,578
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,375
- Estimated closing costs
- $11,375
Plus your down payment of $149,000. 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
- $190,829
- Principal paid down
- $75,901
- Interest paid
- $114,928
- Balance remaining
- $520,099
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 RIGHT AT HOME REALTY. MLS®/PropTx.