38 James Street, Hamilton, ON
Dundas, Hamilton · MLS® X13543102
About this home
Welcome to the beautiful, charming town of Dundas! Experience the warmth of a welcoming town known for its local events, farmers' markets, and festivals. Within walking distance, you can stroll through the charming downtown filled with unique boutiques, cafés, and restaurants, or explore the nearby scenic trails, conservation areas, and breathtaking waterfalls. Nestled on a mature 43' x 157' lot, this 3+1 bedroom, 2 full bathroom home offers a wonderful blend of comfort and space. A spacious foyer with a double closet leads into the combined living and dining room, where a large front window overlooks the front yard. The eat-in kitchen boasts updated cabinetry, granite countertops, an undermount sink, stainless steel appliances, and a large bay window bringing in lots of natural light. Upstairs, you'll find three comfortable bedrooms and a 4-piece bathroom. The lower level offers even more living space with a spacious recreation room, a fourth bedroom, and a full bathroom with a shower-ideal for overnight guests, extended family, or a teenage retreat. The basement is impressive, featuring a bright laundry room complete with an abundance of white storage cabinetry, a built-in stainless steel sink, a countertop for folding, and deep freezer. A huge workshop/hobby room provides endless possibilities for DIY enthusiasts or additional storage. Outside, the beautifully landscaped property showcases stunning rock gardens in both the front and backyard, while the fenced yard offers plenty of green space for children or outdoor entertaining. The driveway accommodates two vehicles and is enhanced with an interlock brick border, complemented by a side walkway leading to both the side and rear patios. Other updates: furnace (2020), hot water tank (2020), 100-amp breaker panel, backflow water valve, and some updated windows. This home truly offers the perfect balance of small-town charm, natural beauty, and everyday convenience.
Key facts
- Property type
- Detached, Backsplit 4
- MLS®
- X13543102
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 43.5 × 157.6 ft
- Cross streets
- Brock St S & King St W
- Parking
- 2 parking
- Driveway
- Private
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle, Cedar
- Sewer
- Sewer
- Property tax
- $6,052 / 2026
- Days on market
- 8
- Listing brokerage
- KELLER WILLIAMS EDGE REALTY
Rooms
hardwood floor · w/o to patio
bay window · combined w/kitchen
granite counters · undermount sink · stainless steel appl
3 Pc Bath
4 Pc Bath
double closet · window
Overlooks Frontyard
B/I Closet
Window
Double Closet
Listed at $875,000, this home is within the range of a wider set of listings, but with few close matches nearby, so worth confirming with a precise CMA. 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 23 similar homes nearby, adjusted for size, beds, and baths.Median of 23 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $986K, a bit higher. 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 $999K
- Bedrooms +$30K
- Adjusts to $1.03M
That comparable adjusts to $1.03M; the $823K estimate above is the median of all 23 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, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. HATT at BROCK is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $823K, median of 23 comparables.
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 5% above the area average of $639/sqft.
6 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Dundas, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
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.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: HATT at BROCK, about 87 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 $700,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,735
- Property tax
- $504
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,240
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,975
- Estimated closing costs
- $13,975
Plus your down payment of $175,000. 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
- $224,128
- Principal paid down
- $89,145
- Interest paid
- $134,982
- Balance remaining
- $610,855
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 KELLER WILLIAMS EDGE REALTY. MLS®/PropTx.