173 Raymond Road, Hamilton, ON
Ancaster, Hamilton · MLS® X13495466
About this home
First time on the market! This immaculate, carpet-free 4-bedroom home has been meticulously maintained by its original owner on a premium Ancaster lot. The main floor features an incredibly bright, open layout with soaring 9ft ceilings, premium wide trim, rich hardwood floors, an oak staircase, and a spacious Great Room with a gas fireplace. The chef's kitchen boasts granite countertops, a 2025 upgraded backsplash, under-cabinet lighting, and premium stainless steel appliances, including a GE Café fridge and dishwasher (2023) and a premium GE gas range. Just off the kitchen, you'll find a highly convenient main-floor laundry room complete with a GE Smarter Laundry washer and dryer (2023).Upstairs offers 4 generous bedrooms, including a primary retreat with a walk-in closet and ensuite. Need more space? The massive, open-concept unfinished basement includes a cold room and a rough-in for an optional bathroom, offering a blank canvas to design your dream rec room, home gym, or nanny suite. Absolute mechanical peace of mind with a new dual-phase Lennox furnace (2023), Rheem Professional tankless water heater (2023), Carrier AC, and Ecobee thermostat. Fully fenced backyard oasis with an interlock stone patio and wooden gazebo. Exceptional pride of ownership!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13495466
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500
- Lot
- 42.21 × 101.04 ft
- Cross streets
- Raymond Rd & Dayman Dr
- Parking
- 2 garage · 4 parking (built-in)
- Driveway
- Private
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,323 / 2026
- Days on market
- 23
- Listing brokerage
- KELLER WILLIAMS EDGE REALTY
Rooms
2 Pc Bath
Hardwood Floor
4 pc ensuite · hardwood floor · walk-in closet(s)
w/o to yard · backsplash · granite counters
4 Pc Ensuite
Hardwood Floor
W/O To Garage
Hardwood Floor
fireplace · hardwood floor
Listed at $1,080,000, this home is about 21% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Based on 8 similar homes nearby, adjusted for size, beds, and baths.Median of 8 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.25M, 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 $1.08M
- Adjusts to $1.08M
That comparable adjusts to $1.08M; the $1.37M estimate above is the median of all 8 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 $1.37M, median of 8 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Primary suite: a key comfort and resale feature.
- Open-concept layout: modern, sought-after flow.
- Value driver
- Worth verifying
- 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 18% below the area average of $587/sqft.
20 days longer than the Hamilton average (3 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Ancaster, 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 $864,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,611
- Property tax
- $610
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,221
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $18,075
- Estimated closing costs
- $18,075
Plus your down payment of $216,000. 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
- $276,637
- Principal paid down
- $110,031
- Interest paid
- $166,607
- Balance remaining
- $753,969
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.