13 Richmond Street, Hamilton, ON
Kirkendall, Hamilton · MLS® X13507854
About this home
Welcome to this charming 3-bedroom, 2-bathroom home ideally located directly across from a park and beautiful community garden. Offering a perfect blend of character, thoughtful updates, and modern conveniences, this home is just a short walk to the vibrant shops, cafés, and restaurants of Locke Street. The living and dining room showcase original crown mouldings, adding timeless character to the main floor. A highly functional 2021 mudroom addition with main-floor laundry provides convenient access from the driveway and offers ample storage-perfect for busy households. Recent upgrades include a brand-new custom bathroom with heated floors, a 200-amp electrical panel with a Level-2 EV charger (50-amp), and numerous exterior improvements. The roof was replaced in 2016, while new exterior siding and porch upgrades were completed in 2021, featuring a custom fiberglass front door with transom, stonework, and cedar soffit detailing. Exterior pot lights provide excellent curb appeal and evening ambiance. Step outside to enjoy the 2022 five-seater saltwater spa, creating a relaxing backyard retreat. The spacious primary bedroom includes a custom walk-in closet , and the unfinished basement provides ample storage space. Parking is exceptional for this neighbourhood, with a garage and driveway space for up to four vehicles-a rare and valuable feature in Kirkendall. A wonderful opportunity to enjoy a well-maintained home in one of Hamilton's most desirable and walkable neighbourhoods. 2026 sump pump with heat trace line and partial Clean Space Wall System installed by OMNI Basement with transferable warranty.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X13507854
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 30.06 × 90.19 ft
- Cross streets
- Richmond St & Hill St
- Parking
- 1 garage · 4 parking (detached)
- Driveway
- Private
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,244 / 2026
- Days on market
- 17
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
4 Pc Bath
Walk-In Closet(s)
3 Pc Bath
Listed at $769,900, this home is tracking about 29% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
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 $865K, a bit lower.
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 $599K
- Adjusts to $599K
That comparable adjusts to $599K; the $1.09M 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. LOCKE at HUNTER is about a 3-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $1.09M, 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits.
- Heated floors: comfort and a premium-finish signal.
- Primary suite: a key comfort and resale feature.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 29% below the area average of $621/sqft.
15 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Kirkendall, 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: LOCKE at HUNTER, about 217 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 $615,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,287
- Property tax
- $520
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,807
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,873
- Estimated closing costs
- $11,873
Plus your down payment of $153,980. 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
- $197,207
- Principal paid down
- $78,438
- Interest paid
- $118,769
- Balance remaining
- $537,482
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 RE/MAX ESCARPMENT REALTY INC.. MLS®/PropTx.