1097 Mineral Springs Road, Hamilton, ON
Rural Ancaster, Hamilton · MLS® X13549422
About this home
Set in the picturesque Hamlet of Mineral Springs, one of Ancaster's most sought-after rural communities, this custom-built modern farmhouse offers a rare combination of luxury living, privacy, and versatility on nearly one acre surrounded by nature and wildlife. Offering over 5,000 sqft. of finished living, the home features expansive principal rooms, 9-foot ceilings on the main level, and beautiful pine and maple flooring throughout. Designed for both everyday living and entertaining, the inviting great room is anchored by a wood-burning fireplace with built-in shelving, adding warmth and character to the home. The updated farmhouse kitchen blends timeless style with modern function, complete with quartz countertops, stainless steel appliances, and stunning Indian slate flooring. The home offers four bedrooms, including a versatile main-level office that can easily function as the fourth bedroom - ideal for guests, multi-generational living, or those working from home. Upstairs, you'll find three spacious bedrooms and two full bathrooms, including a private primary retreat featuring an electric fireplace, walk-in closet with laundry, ensuite bathroom, and a balcony overlooking the property. The fully finished lower level o?ers additional living space with room for recreation, workshops, hobbies, and plenty of storage. A standout feature of the property is the 800 sqft. heated workshop with hydro and water, offering incredible flexibility for hobbyists, entrepreneurs, creatives, or additional entertaining space. Mature trees, peaceful surroundings, and direct access to conservation create a setting that feels private and secluded while remaining close to everyday amenities. Located just steps from Dundas Valley Conservation trails and only minutes to downtown Ancaster, including the Hamilton Golf & Country Club, Ancaster Tennis Club, and convenient highway access, this is a truly unique opportunity to enjoy refined country living without sacrificing convenience.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13549422
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 3000-3500
- Lot
- 230.89 × 147.49 ft
- Cross streets
- Sulphur Springs
- Parking
- 2 garage · 10 parking (attached)
- Driveway
- Private Triple
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Board & Batten
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $8,669 / 2025
- Days on market
- 7
- Listing brokerage
- ROYAL LEPAGE STATE REALTY
Rooms
2 Pc Bath
3 Pc Ensuite
4 Pc Bath
Listed at $1,999,900, 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 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 $2.18M, a bit lower. 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 $2.50M
- Bathrooms −$30K
- Adjusts to $2.47M
That comparable adjusts to $2.47M; the $2.47M 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 more car-dependent spot, so buyers here typically drive. JERSEYVILLE at MARTIN is about a 31-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $2.47M, median of 5 comparables.
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest active listings nearby.
See all comparable homesThis home lists 39% below the area average of $1,003/sqft.
5 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rural Ancaster, 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.
🚉 Nearest transit: JERSEYVILLE at MARTIN, about 2.5 km 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
Homes over $1.5M can't be insured, so 20% down or more is required.
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 $1,599,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,538
- Property tax
- $722
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $9,260
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $36,473
- Estimated closing costs
- $36,473
Plus your down payment of $399,980. 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
- $512,266
- Principal paid down
- $203,750
- Interest paid
- $308,516
- Balance remaining
- $1,396,170
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 ROYAL LEPAGE STATE REALTY. MLS®/PropTx.