94 Howard Avenue, Hamilton, ON
Balfour, Hamilton · MLS® X13520404
About this home
94 Howard Avenue is a welcoming two-storey home that balances everyday comfort with modern updates throughout. Conveniently located in one of Hamilton's most connected Central Mountain neighbourhoods with easy access to all your needs and nicely set-up with an IN-LAW SUITE! The main level greets you with a bright and spacious living room, tastefully renovated kitchen plus dining area with walkout to the yard. Head upstairs to a beautifully redesigned bedroom level where the primary bedroom connects to a dressing room that displays a sleek glass marble shower ensuite and integrated laundry area, making daily routines effortless. Also including the 2nd bedroom and stylish 2-pc bathroom. The basement level adds a valuable feature to the home, suited for separate living as a teen retreat, in-law suite/separate apartment, or the extra space your family has been waiting for. Offering a 2ndkitchen, bedroom, 3-pc bathroom, laundry and living room. Outside, a private backyard waits you with enough space for kids or dogs to run and play, premium hot tub (2024) sheltered by a gazebo, and a hydro-equipped garden shed. This 50ft wide property allows for the double-wide driveway parking for 4 vehicles. Enjoy the benefit of a high walk score only a short walk to Mohawk College, shopping, public transit, easy highway access and everything Upper James has to offer.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13520404
- Bedrooms
- 3 (2 + 1)
- Bathrooms
- 3 (1 half)
- Size
- 700-1100
- Lot
- 50 × 103 ft
- Cross streets
- Upper James and Mcelroy
- Parking
- 4 parking
- Basement
- Apartment, Separate Entrance, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Other
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,433 / 2026
- Days on market
- 15
- Listing brokerage
- COLDWELL BANKER COMMUNITY PROFESSIONALS
Rooms
3 Pc Bath
combined w/laundry · separate shower · closet
3 Pc Bath
Combined w/Laundry
Listed at $679,999, this home is tracking about 4% 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 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 $667K, 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 $850K
- Bedrooms −$60K
- Bathrooms +$15K
- Adjusts to $805K
That comparable adjusts to $805K; the $705K 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 $705K, 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 8% below the area average of $826/sqft.
13 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Balfour, 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 $543,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,903
- Property tax
- $369
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,272
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $10,075
- Estimated closing costs
- $10,075
Plus your down payment of $136,000. 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
- $174,179
- Principal paid down
- $69,278
- Interest paid
- $104,900
- Balance remaining
- $474,721
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 COLDWELL BANKER COMMUNITY PROFESSIONALS. MLS®/PropTx.