4-285 King Street, Hamilton, ON
Central, Hamilton · MLS® X13534116
About this home
Welcome to this charming two-bedroom condo in the heart of West Hamilton, where historic character meets urban convenience. Set in a beautiful heritage-style building, this bright and inviting home features soaring ceilings, spacious bedrooms, fresh paint throughout, and a flexible layout to suit your lifestyle. The oversized primary bedroom can easily be converted back into a generous living room, offering additional entertaining space if desired. Step outside and enjoy everything this sought-after neighbourhood has to offer. Walk to trendy cafés, popular restaurants, boutique shopping, vibrant nightlife, parks, and public transit, with quick access to major highways for an easy commute. Whether you're a first-time buyer, busy professional, student, investor, or downsizer, this charming condo offers incredible value in one of Hamilton's most desirable downtown locations. Don't miss your opportunity to own a piece of this thriving community.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- X13534116
- Bedrooms
- 2
- Bathrooms
- 1
- Size
- 600-699
- Cross streets
- King & Queen St
- Parking
- 0 parking
- Basement
- Other
- Heating
- Radiant
- A/C
- Window Unit(s)
- Exterior
- Brick
- Maintenance
- $449/mo
- Exposure
- North
- Property tax
- $1,978 / 2025
- Days on market
- 10
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
4 Pc Bath
Listed at $299,900, this home is within the range of comparable homes, on the lower side. The number above is my independent estimate of value, not the asking price.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $210K, lower than the comparables and worth a second look. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $389K
- Size difference −$52K
- Bathrooms −$15K
- Adjusts to $322K
That comparable adjusts to $322K; the $322K estimate above is the median of all 5 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. King St. W. @ Queen St. N. is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $322K, median of 5 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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- 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 7 active listings nearby.
See all comparable homesThis home lists 17% below the area average of $555/sqft.
5 days faster than the Hamilton average (15 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Central, 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: King St. W. @ Queen St. N., about 65 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 $239,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,280
- Property tax
- $165
- Condo / maintenance fees
- $449
- Heating
- $0
- Estimated monthly cost
- $1,894
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $2,974
- Estimated closing costs
- $2,974
Plus your down payment of $59,980. 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
- $76,818
- Principal paid down
- $30,554
- Interest paid
- $46,264
- Balance remaining
- $209,366
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.