14 Lydia Street, Hamilton, ON
Rosedale, Hamilton · MLS® X13247098
About this home
Welcome to one of Hamilton's most sought-after neighbourhoods. Tucked away on a peaceful dead-end street in beloved Rosedale, this well-maintained two-storey home offers the kind of setting that's increasingly hard to find - tree-lined, friendly, and genuinely liveable. The generous 40' X 110' lot delivers a private, fully fenced backyard retreat complete with mature trees, a deck, and an above-ground pool - your own summer escape without leaving home. Whether you're hosting a weekend gathering or simply unwinding after a long day, this yard delivers. Inside, the main floor flows comfortably from a warm living room into a dining area and kitchen that both look over the backyard. A convenient side door connects directly to the deck and pool area, making indoor-outdoor living effortless. The finished basement adds meaningful square footage - a bright rec rom, a dedicated home office, a newly installed 2-piece bathroom, laundry, and utility room. Everything you need, already done. Out front, a private side driveway accomodates three vehicles, with ample street parking for guests. Minutes to highway access, shopping, and all the amenities that make Rosedale one of Hamilton's perennial favourites. This is an ideal move-up opportunity for condo or townhouse owners ready to take the next step - more space, a real yard, and a neighbourhood you'll love coming home to. A flexible longer closing is available to suit your timeline. Take the virtual tour, then come see it for yourself.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13247098
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 700-1100
- Lot
- 40 × 110 ft
- Cross streets
- Lawrence Road
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Above Ground
- Property tax
- $3,955 / 2026
- Days on market
- 42
- Listing brokerage
- ROYAL LEPAGE STATE REALTY
Rooms
4 Pc Bath
above grade window · broadloom
2 Pc Bath
Picture Window
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. ROSEDALE at DUNKIRK is about a 2-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.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Value driver
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest active listings nearby.
See all comparable homesThis home lists 13% above the area average of $620/sqft.
40 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rosedale, 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: ROSEDALE at DUNKIRK, about 126 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 $503,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,685
- Property tax
- $330
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,015
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,055
- Estimated closing costs
- $9,055
Plus your down payment of $125,800. 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
- $161,116
- Principal paid down
- $64,083
- Interest paid
- $97,033
- Balance remaining
- $439,117
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 ROYAL LEPAGE STATE REALTY. MLS®/PropTx.