16-4 Victoria Street, Hamilton, ON
Waterdown, Hamilton · MLS® X13469334
About this home
Welcome to this beautifully maintained end-unit townhouse tucked away in one of Waterdown's most desirable locations. Perfect for first-time buyers, young families, downsizers, or anyone seeking a low-maintenance lifestyle without sacrificing space or convenience. The bright, open-concept main floor features large windows, vaulted ceiling that fill the home with natural light, a cozy gas fireplace, and a functional layout designed for everyday living and entertaining. With three bedrooms, including a convenient main-floor bedroom, and 2.5 bathrooms, this home offers flexibility for families, guests, or a home office. Retreat to the spacious primary suite on the second level, complete with a 5-piece ensuite. Step outside to your private backyard patio and enjoy the low maintenance backyard. This sought-after condominium community offers a spacious grassy common area and is ideally situated just a short walk to downtown Waterdown's charming shops, cafés, restaurants, pubs, schools, churches, and everyday amenities. Outdoor enthusiasts will love the nearby access to the Bruce Trail and surrounding trail systems. The YMCA is only minutes away, and Memorial Park hosts popular community events, including Waterdown Ribfest. A rare opportunity to enjoy nature, convenience, and community all in one exceptional location.
Key facts
- Property type
- Condo Townhouse, 2-Storey
- MLS®
- X13469334
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 3 (1 half)
- Size
- 1600-1799
- Cross streets
- Mill St N and Church Street
- Parking
- 1 garage · 2 parking (attached)
- Basement
- Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Maintenance
- $515/mo
- Exposure
- East
- Property tax
- $5,395 / 2026
- Days on market
- 28
- Listing brokerage
- KELLER WILLIAMS EDGE REALTY
Rooms
3 Pc Ensuite
Listed at $799,900, this home is about 9% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Priced above comparable homes overall, but the price per square foot ($471/sqft) is below the area, so you are paying for extra space rather than a premium.
There were not many closely comparable homes right in Waterdown, so I widened the search to the surrounding area.
Based on 10 similar homes nearby, adjusted for size, beds, and baths.Median of 10 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $763K, 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, listed at $699K
- Adjusts to $699K
That comparable adjusts to $699K; the $737K estimate above is the median of all 10 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, this is a very walkable address with everyday errands close by. DUNDAS at MILL is about a 4-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $737K, median of 10 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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Open-concept layout: modern, sought-after flow.
- Worth verifying
- Value driver
- Lifestyle
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 11% below the area average of $528/sqft.
6 days longer than the Hamilton average (22 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Waterdown, 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: DUNDAS at MILL, about 282 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 $639,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,415
- Property tax
- $450
- Condo / maintenance fees
- $515
- Heating
- $0
- Estimated monthly cost
- $4,379
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,473
- Estimated closing costs
- $12,473
Plus your down payment of $159,980. 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
- $204,891
- Principal paid down
- $81,494
- Interest paid
- $123,397
- Balance remaining
- $558,426
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 KELLER WILLIAMS EDGE REALTY. MLS®/PropTx.