28 Millcreek Court, Hamilton, ON
Ancaster, Hamilton · MLS® X13495672
About this home
Some streets are desirable. This street is legendary. The third home offered for sale here in the past twenty years, this exceptional estate occupies more than half an acre on one of Ancaster's most coveted addresses, just steps from the Bruce Trail, the historic Ancaster Old Mill and the heart of downtown Ancaster. Offering over 7,000 square feet of finished living space, this five-bedroom, six-bathroom home is complemented by a three-car garage and beautifully landscaped grounds. A dramatic great room with soaring 18-foot ceilings and a wall of windows overlooks the backyard, while garden doors open to multi-level decks and the pool beyond. The formal dining room opens through double doors to a front terrace overlooking the park-like front yard. The kitchen is designed for both everyday living and large-scale entertaining, featuring extensive cabinetry, built-in appliances, wine storage and a dedicated staircase to the lower level. The main floor primary suite is a true retreat, complete with a gas fireplace, direct access to the backyard and pool, completed with a beautifully renovated ensuite. Upstairs, four generously sized bedrooms include two private ensuites, an additional full bathroom and a unique loft on its own level. Two staircases lead to the second floor, while two more connect to the expansive lower level. With more than 2,200 square feet of finished space, the lower level offers remarkable flexibility, featuring a three-sided gas fireplace, recreation and billiards areas, media space, fitness area, full bathroom, a sitting room that could easily serve as a sixth bedroom, extensive storage and existing rough-ins for a future wet bar or secondary kitchen. Outside, multi-level decks surround the swimming pool. Significant updates include the roof (2018), furnace and air conditioner (2020), pool liner and pump (2024), and pool heater (2025). More than a home. One of Ancaster's most coveted addresses. RSA. Luxury Certified.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13495672
- Bedrooms
- 5
- Bathrooms
- 6 (1 half)
- Size
- 3500-5000
- Lot
- 355.59 × 193.87 ft
- Cross streets
- DUNDAS RD
- Parking
- 3 garage · 10 parking (attached)
- Driveway
- Private Triple
- Basement
- Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stucco (Plaster)
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $22,779 / 2026
- Days on market
- 23
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn 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.
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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- 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.
- Value driver
- Weigh carefully
- Worth verifying
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 homes20 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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $3,800,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $20,278
- Property tax
- $1,898
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $22,176
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $105,225
- Estimated closing costs
- $105,225
Plus your down payment of $950,000. 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
- $1,216,693
- Principal paid down
- $483,931
- Interest paid
- $732,762
- Balance remaining
- $3,316,069
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.