20 Armes Street, Hamilton, ON
Binbrook, Hamilton · MLS® X13240054
About this home
Welcome to this fabulous upgraded home located in the highly desirable Binbrook community. Offering over 2,400 sq. ft. of above-grade living space, this residence delivers a true upscale feel throughout. The main floor features 9-foot ceilings and a stunning gourmet eat-in kitchen designed to impress, complete with quartz countertops and backsplash, and a large centre island with breakfast bar. The adjoining great room is perfect for entertaining family and friends, highlighted by a gas fireplace and an expansive window overlooking the backyard. Solid oak stairs with wrought iron pickets lead to the second level, which offers four spacious bedrooms and a convenient upper-level laundry room with a laundry tub. The primary bedroom includes a generous walk-in closet and a beautifully appointed ensuite featuring a separate shower and freestanding tub. The third bedroom enjoys semi-ensuite access, ideal for added convenience. The double-car garage provides direct interior access. This immaculately maintained home has been freshly painted and is truly move-in ready. Ideally situated close to parks, schools, trails, shopping, and everyday amenities, with easy access to major routes. A turnkey opportunity in a growing community-move in and enjoy.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13240054
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500
- Lot
- 36.75 × 91.86 ft
- Cross streets
- Mcwatters street
- Parking
- 2 garage · 4 parking (detached)
- Driveway
- Private Double
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,140 / 2026
- Days on market
- 48
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
3 Pc Bath
2 Pc Bath
4 Pc Ensuite
Listed at $899,999, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
In Binbrook lately, sellers have been getting about 95% of asking and homes sell in about 43 days. Prices are down 12% versus a year ago.
Based on 68 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 68 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $973K, 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, sold for $645K
- Bathrooms −$13K
- Adjusts to $632K
That comparable adjusts to $632K; the $932K estimate above is the median of all 68 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.
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 $932K, median of 68 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. 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 5% below the area average of $420/sqft.
45 days longer than the Hamilton average (3 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Binbrook, 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 OpenStreetMap contributors.
Almost all errands require a car — groceries and transit are a drive 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 22, 2026); conventional rates run a little higher.
Mortgage amount $719,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,842
- Property tax
- $512
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,354
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,475
- Estimated closing costs
- $14,475
Plus your down payment of $180,000. 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
- $230,531
- Principal paid down
- $91,692
- Interest paid
- $138,839
- Balance remaining
- $628,307
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.