446 Humphrey Street, Hamilton, ON
Waterdown, Hamilton · MLS® X13493838
About this home
Located in the family-oriented Waterdown community, 446 Humphrey St is an exceptional 5-bedroom, 4-bathroom executive residence that blends refined finishes and functionality across its 3,474 sq ft above-grade layout.The main level introduces itself with a grand double-door entry, an elegant tiled foyer, rich hardwood flooring, and expansive principal spaces designed for both everyday comfort and sophisticated entertaining. A private main-floor office provides exceptional flexibility for remote work or a potential 6th bedroom. The chef-inspired kitchen is thoughtfully curated with quartz countertops, a sleek quartz backsplash, premium Samsung appliances, and a dedicated servery designed with extensive cabinetry for staging, serving, and discreet storage. The adjoining breakfast area and family room are flooded with natural light and anchored by a fireplace, creating a warm and inviting atmosphere overlooking the backyard. The second level unfolds with intention, featuring five generously proportioned bedrooms, all complete with walk-in closets. The primary retreat is a true sanctuary with a spacious walk-in closet and a spa-inspired 5-piece ensuite featuring dual vanities and elegant finishes. Secondary bedrooms are exceptionally well-sized and connected through thoughtfully designed Jack & Jill bathroom layouts, creating both privacy and functionality for growing families. A dedicated upper-level laundry room further enhances convenience. The unfinished lower level presents extraordinary future potential with oversized windows, expansive open-concept space, a cold room, and the flexibility to design a custom recreation space, gym, home theatre, or in-law suite tailored to your lifestyle. Outdoors, the backyard awaits transformation into a private outdoor retreat, while the home is located in close proximity to major highways, top-rated schools, shopping, restaurants, conservation areas, golf courses, and scenic walking trails.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13493838
- Bedrooms
- 5
- Bathrooms
- 4 (1 half)
- Size
- 3000-3500
- Lot
- 57.08 × 97.65 ft
- Cross streets
- Dundas St E & Skinner Rd
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private Double
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $9,900 / 2025
- Days on market
- 23
- Listing brokerage
- SAM MCDADI REAL ESTATE INC.
Rooms
hardwood floor · sliding doors · overlooks backyard
hardwood floor · pot lights · overlooks frontyard
semi ensuite · walk-in closet(s) · laminate
hardwood floor · pot lights · closet
ceramic floor · laundry sink
semi ensuite · walk-in closet(s) · laminate
semi ensuite · walk-in closet(s) · laminate
hardwood floor · pot lights · overlooks living
5 pc ensuite · walk-in closet(s) · laminate
semi ensuite · walk-in closet(s) · laminate
hardwood floor · gas fireplace · pot lights
hardwood floor · quartz counter · centre island
Listed at $1,499,000, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.53M, 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 $1.60M
- Bedrooms −$30K
- Bathrooms −$15K
- Adjusts to $1.55M
That comparable adjusts to $1.55M; the $1.49M estimate above is the median of all 7 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 more car-dependent spot, so buyers here typically drive. Transit is limited nearby. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.49M, median of 7 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.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 7 active listings nearby.
See all comparable homesThis home lists 3% below the area average of $474/sqft.
20 days longer than the Hamilton average (3 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
Car-DependentA 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.
Almost all errands require a car.
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 20, 2026); conventional rates run a little higher.
Mortgage amount $1,199,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $6,399
- Property tax
- $825
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,224
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $26,455
- Estimated closing costs
- $26,455
Plus your down payment of $299,800. 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
- $383,963
- Principal paid down
- $152,718
- Interest paid
- $231,244
- Balance remaining
- $1,046,482
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 SAM MCDADI REAL ESTATE INC.. MLS®/PropTx.