86 Stillwater Crescent, Hamilton, ON
Waterdown, Hamilton · MLS® X13499420
About this home
Exceptional detached home in the highly sought-after community of Waterdown, offering nearly 3,000 sq. ft. of beautifully finished living space designed for modern family life and elegant entertaining. Situated on a premium corner lot, this impressive 4-bedroom, 4-bathroom residence showcases timeless finishes and meticulous attention to detail throughout. Step inside to discover 9-foot smooth ceilings, rich oak hardwood flooring, and elegant crown moulding that create a sophisticated and inviting atmosphere. At the heart of the home is the chef-inspired kitchen, featuring high-end cabinetry, a large centre island, stainless steel appliances, and an ideal layout for both everyday living and hosting family and friends. Spacious principal rooms provide plenty of room to gather, while large windows fill the home with natural light. Upstairs, you'll find four generously sized bedrooms, including a luxurious primary retreat complete with a spa-inspired 5 pc ensuite and 2 walk-in closets! The professionally finished basement extends your living space, offering endless possibilities for recreation, a home theatre, gym, office, or guest accommodations. Step outside to your professionally landscaped backyard oasis, with multiple deck areas, gazebo and shed - thoughtfully designed for outdoor enjoyment, relaxation, and entertaining. Ideally located with quick access to Burlington, major highways, and the GO Train, this home offers the perfect blend of small-town charm and commuter convenience. An outstanding opportunity to own a beautifully upgraded family home in one of Waterdown's most desirable neighbourhoods. See the MultiMedia Video Tour, then book your private tour before it's gone!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13499420
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 1500-2000
- Lot
- 38.13 × 89.74 ft
- Cross streets
- Dundas/Spring Creek
- Parking
- 1 garage · 2 parking (attached)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,466 / 2026
- Days on market
- 20
- Listing brokerage
- REALTY EXECUTIVES PLUS LTD
Rooms
vaulted ceiling(s) · broadloom
laminate · open concept
walk-in closet(s) · 5 pc ensuite
double closet · broadloom
large window · broadloom
hardwood floor · coffered ceiling(s)
hardwood floor · centre island
hardwood floor · electric fireplace
Listed at $1,149,900, this home is about 15% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Based on 13 similar homes nearby, adjusted for size, beds, and baths.Median of 13 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.23M, higher than the comparables and worth a second look.
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 $995K
- Bedrooms +$30K
- Bathrooms +$15K
- Adjusts to $1.04M
That comparable adjusts to $1.04M; the $1.00M estimate above is the median of all 13 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 $1.00M, median of 13 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.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Sold as-is / needs work: budget for renovation, the price should reflect the condition.
- Corner lot: more light and frontage, sometimes at the cost of privacy.
- Value driver
- Lifestyle
- Weigh carefully
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 6 active listings nearby.
See all comparable homesThis home lists 13% above the area average of $580/sqft.
17 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 18, 2026); conventional rates run a little higher.
Mortgage amount $919,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,909
- Property tax
- $622
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,531
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $19,473
- Estimated closing costs
- $19,473
Plus your down payment of $229,980. 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
- $294,542
- Principal paid down
- $117,152
- Interest paid
- $177,390
- Balance remaining
- $802,768
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 REALTY EXECUTIVES PLUS LTD. MLS®/PropTx.