544 Mary Street, Hamilton, ON
North End, Hamilton · MLS® X13243284
About this home
Discover this charming and affordable bungalow in Hamilton's vibrant North End, with over 1,100 sq ft of beautifully finished living space-perfect for first-time homebuyers or down-sizers seeking a move-in-ready gem! Nestled in a welcoming community, this home blends modern updates with cozy appeal, all within steps of Hamilton's best amenities. Step inside to a bright, airy interior featuring freshly painted neutral walls and stylish, low-maintenance flooring that flows seamlessly throughout. The spacious eat-in kitchen is a chef's delight, boasting stainless steel appliances, ample cabinetry, and a sunny window perfect for morning coffee. A tastefully updated 4-piece bathroom with modern fixtures completes the main level. The partially finished lower level with separate side entrance awaits your personal touch, with versatile space for a rec-room or potential 2nd bedroom, home gym/office, or additional storage, with rough-ins for a potential second bathroom. Outside, the backyard is a private oasis perfect for summer barbecues or quiet evenings under the stars. Located in the heart of the North End, this home is steps from the scenic Harbour and Pier 4, with waterfront trails, parks, and an ice skating rink nearby. Enjoy local breweries, trendy restaurants, and cafes, all within a short stroll. Commuters will appreciate easy access to major highways and public transit. With its blend of modern updates, outdoor charm, and unbeatable location, this bungalow is a rare find in Hamilton's hot market. Don't miss your chance to call 544 Mary St your home!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13243284
- Bedrooms
- 2 (1 + 1)
- Bathrooms
- 1
- Size
- 700 sq ft
- Lot
- 24.5 × 79 ft
- Cross streets
- Burlington and Mary
- Parking
- 0 parking
- Basement
- Separate Entrance
- Heating
- Forced Air
- A/C
- None
- Exterior
- Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $2,680 / 2025
- Days on market
- 43
- Listing brokerage
- ROYAL LEPAGE STATE REALTY
Rooms
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. BURLINGTON at MARY 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.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- 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 6 active listings nearby.
See all comparable homes41 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
North End, 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: BURLINGTON at MARY, about 85 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 17, 2026); conventional rates run a little higher.
Mortgage amount $351,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,878
- Property tax
- $223
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $2,101
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $5,273
- Estimated closing costs
- $5,273
Plus your down payment of $87,980. 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
- $112,679
- Principal paid down
- $44,817
- Interest paid
- $67,861
- Balance remaining
- $307,103
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 ROYAL LEPAGE STATE REALTY. MLS®/PropTx.