301 Garner Road, Hamilton, ON
Ancaster, Hamilton · MLS® X13550414
About this home
Welcome to 301 Garner Road, Ancaster! Situated on an impressive 99.93 ft x 188 ft lot, this spacious (approx. 3000 sf.) 2-storey home offers outstanding potential for families, investors, and developers alike. Featuring 4 bedrooms and 2.5 bathrooms, this property provides flexible living space to suit your needs. The main floor offers a large living room plus an expansive family room currently used as an oversized bedroom-easily converted back to a generous family/entertainment space.The unfinished basement presents a blank canvas for future development-create a recreation room, additional living space, or in-law setup.Located in historic Ancaster on the Niagara Escarpment, this highly desirable, family-friendly neighbourhood is known for its strong sense of community, higher-income demographic, and consistent population. Excellent educational options include 6 public schools, 6 Catholic schools, and 2 private schools, with sought-after programs such as French Immersion, International Baccalaureate, Advanced Placement, Christian, and Montessori.Enjoy exceptional outdoor amenities with 21 parks and 45 recreational facilities in the area. This home is within a 20-minute walk to 3 parks and 6 recreation facilities, offering playgrounds, sports fields, and more. Public transit is at your doorstep, with a bus stop just a 3-minute walk away and rail transit within 9.7 km.A rare opportunity to secure a large lot in one of Ancaster's most sought-after communities!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13550414
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000
- Lot
- 99.93 × 188 ft
- Cross streets
- Garner Rd E & Hwy 6
- Parking
- 3 garage · 11 parking (attached)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $6,386 / 2025
- Days on market
- 7
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
Listed at $1,050,000, this home is within the range of comparable homes, on the higher side. The number above is my independent estimate of value, not the asking price.
Based on 12 similar homes nearby, adjusted for size, beds, and baths.Median of 12 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $989K, 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 $999K
- Bathrooms −$15K
- Adjusts to $984K
That comparable adjusts to $984K; the $982K estimate above is the median of all 12 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. GARNER opposite WOODMOUNT is about a 3-minute walk away.
Total price vs nearby homes. Fair value about $982K, median of 12 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.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Development potential: upside only if zoning permits, verify with the city before relying on it.
- Value driver
- Worth verifying
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 3% below the area average of $621/sqft.
5 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Ancaster, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: GARNER opposite WOODMOUNT, about 255 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 $840,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,483
- Property tax
- $532
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,015
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $17,475
- Estimated closing costs
- $17,475
Plus your down payment of $210,000. 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
- $268,953
- Principal paid down
- $106,974
- Interest paid
- $161,979
- Balance remaining
- $733,026
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 RIGHT AT HOME REALTY. MLS®/PropTx.