82 Cumming Court, Hamilton, ON
Ancaster, Hamilton · MLS® X13239310
About this home
Unique offering in the heart of Ancaster, nestled on a quiet court, this exceptional multi-generational residence delivers an increasingly rare combination of space, flexibility, and lifestyle. Offering approximately 2,000 sq. ft. of thoughtfully designed living space, the home features a substantial addition and attached 2-car garage completed in 2025 by 555 Construction Management Inc., seamlessly integrating existing and new construction through a well-designed transition that creates exceptional flow and connectivity throughout the home. Designed to accommodate a variety of living arrangements, the property offers 4+2 bedrooms, 4 full bathrooms, and 3 kitchens, creating outstanding potential for multi-generational living, extended family accommodations, guest quarters, or income-generating opportunities. Situated on an expansive lot, the outdoor setting is equally impressive, highlighted by a saltwater in-ground pool, extensive landscaping, and top-flight gardening featured in Canada's Local Gardener Magazine in 2020. The private backyard oasis is complemented by numerous recent upgrades including all-new concrete walkways (2025), pool pump (2023), pool heater (2015), central vacuum system (2025), and an electric skylight (2018). Extensively updated throughout, notable improvements include a new furnace and central air conditioning (2024), roof (2020), upgraded basement with new appliances (2023), renovated main bathroom shower (2022), and select new windows, patio door, and front entry door (2022). Located in one of Ancaster's most desirable family-oriented communities, close to parks, trails, shopping, dining, top-rated schools, and major commuter routes, this is a truly unique property offering unmatched versatility, quality craftsmanship, and long-term value in a premier location
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13239310
- Bedrooms
- 6 (4 + 2)
- Bathrooms
- 4
- Size
- 2500-3000
- Lot
- 75.15 × 106.29 ft
- Cross streets
- Wilson St West to Fiddlers Green to Cumming Court
- Parking
- 2 garage · 6 parking (attached)
- Basement
- Finished, Separate Entrance
- Kitchens
- 3 (2 + 1)
- Heating
- Forced Air
- A/C
- Central Air, Wall Unit(s)
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete Block, Slab
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $7,486 / 2026
- Days on market
- 48
- Listing brokerage
- REVEL REALTY INC.
Rooms
Listed at $1,399,900, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
In Ancaster lately, sellers have been getting about 97% of asking and homes sell in about 27 days. Prices are up 6% versus a year ago.
Based on 41 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 41 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.15M, a bit lower.
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, sold for $1.21M
- Adjusts to $1.21M
That comparable adjusts to $1.21M; the $1.36M estimate above is the median of all 41 comparables, which is steadier than any single home.This estimate is grounded in actual closing prices from the last 15 months, not asking prices. Lot, condition, and finishes are still my in-person call.
Total price vs nearby homes. Fair value about $1.36M, median of 41 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits. Value driver
- Recent major systems: lower near-term capital costs, ask for the ages and any warranties. Value driver
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
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 3% above the area average of $495/sqft.
45 days longer than the Hamilton average (3 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Ancaster, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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 22, 2026); conventional rates run a little higher.
Mortgage amount $1,119,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,976
- Property tax
- $624
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,600
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $24,473
- Estimated closing costs
- $24,473
Plus your down payment of $279,980. 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
- $358,579
- Principal paid down
- $142,622
- Interest paid
- $215,956
- Balance remaining
- $977,298
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 REVEL REALTY INC.. MLS®/PropTx.