148 Huxley Avenue, Hamilton, ON
Delta, Hamilton · MLS® X13457576
About this home
Welcome to a truly unique opportunity in Hamilton's charming east end. This versatile property features two fully separate living spaces, making it an ideal fit for growing families, multi-generational living, or savvy buyers looking to offset their mortgage. At the front, the bright and welcoming 1.5-storey home offers 4 bedrooms and 2 full bathrooms, with a functional layout designed for everyday family life. You'll love the natural light, generous storage throughout, and the high, dry basement-complete with a separate laundry room, partially finished kids 'playroom, and a roughed-in 3-piece bathroom ready for your finishing touches. Tucked privately at the rear, the self-contained 1+1 bedroom unit provides incredible flexibility. With its own side entrance, this space includes a full kitchen, bedroom, and bathroom on the main level, plus a cozy lower level featuring a living room, additional bedroom or office, and its own laundry. Whether you're looking to create space for extended family, generate rental income, or step into homeownership with added financial support, this property offers options that are hard to find. Set in a well-kept, established neighbourhood close to parks, schools, and everyday amenities, this is a home that combines character, flexibility, and long-term value.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X13457576
- Bedrooms
- 6
- Bathrooms
- 3
- Size
- 1500-2000
- Lot
- 33 × 105 ft
- Cross streets
- Monterey Avenue
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Full, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Other
- Foundation
- Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,295 / 2025
- Days on market
- 30
- Listing brokerage
- KELLER WILLIAMS COMPLETE REALTY
Rooms
3 Pc Bath
4 Pc Bath
4 Pc Bath
Listed at $674,900, this home is tracking about 30% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 17 similar homes nearby, adjusted for size, beds, and baths.Median of 17 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $850K, a bit lower.
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, listed at $750K
- Bedrooms +$60K
- Adjusts to $810K
That comparable adjusts to $810K; the $958K estimate above is the median of all 17 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. KENILWORTH at MONTEREY is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $958K, median of 17 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.
- 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 24% below the area average of $507/sqft.
28 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Delta, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
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.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: KENILWORTH at MONTEREY, about 199 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 $539,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,881
- Property tax
- $441
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,322
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,973
- Estimated closing costs
- $9,973
Plus your down payment of $134,980. 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
- $172,873
- Principal paid down
- $68,759
- Interest paid
- $104,114
- Balance remaining
- $471,161
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 KELLER WILLIAMS COMPLETE REALTY. MLS®/PropTx.