55 Cayley Street, Hamilton, ON
Dundas, Hamilton · MLS® X13410692
About this home
With a wraparound porch you'll never want to leave, 55 Cayley is the one you've been waiting for. This Victorian cottage is perfectly located in one of Dundas' most desirable neighbourhoods, the home is steps from Dundas Driving Park, close to trails, schools, and the vibrant shops and cafes of Downtown Dundas. Accented by original coal gas fixtures, detailed carpentry, and warm woodwork, it radiates charm and character throughout. Inside, soaring 10' ceilings, oak hardwood floors, and oversized windows create a bright natural flow. The main floor offers true one-floor living with a spacious front hall, elegant living room or office, sprawling family room with ornate gas fireplace, generous bedroom, and full bath. A butler's pantry leads into the kitchen, filled with original character and framed by garden views. From here, step into the bright sun porch with walkout to the rear gardens. The separate dining room opens out to the side garden, where a 1920s gazebo and stonework create an enchanting, secret garden setting - perfect for intimate gatherings or quiet reflection. Separate staircases lead to the 2nd floor, where you'll find a rear bedroom or den, full bath, ample storage, and a generous primary retreat with dormer windows, electric fireplace, and walkout to an enclosed terrace overlooking the streetscape and treetops beyond. Outdoors, mature gardens, multiple sitting areas, a powered garage and separate studio space, long driveway, and versatile outbuilding add practicality and flexibility. Set on a rare double-wide lot of more than 0.25 acre, this property offers space, privacy, and presence rarely found in Dundas.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X13410692
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 90 × 120 ft
- Cross streets
- Sydenham St
- Parking
- 1 garage · 5 parking (detached)
- Driveway
- Private
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,484 / 2025
- Days on market
- 46
- 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 fairWhat 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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Hardwood floors: quality hardwood is durable and broadly desirable. 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 3 closest active listings nearby.
See all comparable homesThis home lists 40% above the area average of $632/sqft.
43 days longer than the Hamilton average (3 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Dundas, 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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $1,240,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,617
- Property tax
- $457
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,074
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $27,475
- Estimated closing costs
- $27,475
Plus your down payment of $310,000. 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
- $397,026
- Principal paid down
- $157,914
- Interest paid
- $239,112
- Balance remaining
- $1,082,086
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.