104 Teal Avenue, Hamilton, ON
Stoney Creek, Hamilton · MLS® X13434370
About this home
Welcome to this charming cottage-in-the-city home nestled in the sought-after Community Beach neighbourhood of Stoney Creek. Just a short stroll from the shores of Lake Ontario, residents enjoy beautiful waterfront views, beaches, trails and waterways while remaining close to everyday conveniences. This 1.5-storey brick home offers approximately 1,200 sq. ft. of living space with 4 bedrooms, 1 full bathroom and 1 half bath. The bright living room overlooks the inviting front porch, the perfect place to relax and enjoy the peaceful atmosphere of lakeside living. The spacious eat-in kitchen provides plenty of room for family meals and gatherings. Step outside to a private side patio sheltered by mature trees, creating an ideal setting for entertaining or unwinding outdoors. Two main-floor bedrooms and a full bathroom provide flexibility for growing families, while the upper level features a generous primary bedroom with excellent closet space and an equally sized fourth bedroom across the hall. The fully finished basement expands the living space with a cozy stove fireplace, laundry area, utility room, abundant storage and a convenient one-piece bathroom. A walkout leads to the deep, private backyard backing directly onto a community park featuring tennis and basketball courts and a newly constructed playground. Ideally located just minutes from Confederation Park, residents can enjoy swimming, sailing, hiking and cycling along the Waterfront Trail, two children's playgrounds and newly completed pickleball courts. With quick access to the QEW, commuting to Toronto or Niagara is effortless. Experience the perfect blend of cottage charm and city convenience in one of Stoney Creek's most desirable lakeside communities.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X13434370
- Bedrooms
- 4
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 50 × 108 ft
- Cross streets
- Frances Ave
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Full, Walk-Up
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,753 / 2026
- Days on market
- 41
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
Eat-in Kitchen
Listed at $850,000, this home is about 17% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
In Stoney Creek lately, sellers have been getting about 94% of asking and homes sell in about 30 days. Prices are down 6% versus a year ago.
Based on 75 similar homes that recently sold nearby, adjusted for size, beds, and baths.Median of 75 recently sold comparable homes — actual closing prices, not asks — adjusted for size, beds, and baths. The city (MPAC) assessment points to about $732K, 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 $475K
- Bedrooms +$22K
- Bathrooms +$11K
- Adjusts to $508K
That comparable adjusts to $508K; the $725K estimate above is the median of all 75 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 $725K, median of 75 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- 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 3 closest active listings nearby.
See all comparable homesThis home lists 18% above the area average of $552/sqft.
38 days longer than the Hamilton average (3 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Stoney Creek, 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 23, 2026); conventional rates run a little higher.
Mortgage amount $680,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,629
- Property tax
- $396
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,025
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,475
- Estimated closing costs
- $13,475
Plus your down payment of $170,000. 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
- $217,724
- Principal paid down
- $86,598
- Interest paid
- $131,126
- Balance remaining
- $593,402
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.