232 Clifton Downs Road, Hamilton, ON
Gilbert, Hamilton · MLS® X13554650
About this home
Spacious 3+3 Bedroom, 2 Full Bath, 5-Level Backsplit Large Detached Home with Garage in Prime West Mountain! Features an build-in garage with inside entry and 4-car driveway parking. Freshly Painted. Brand new LED lighting fixture. Brand New Laminate Flooring. Bright and spacious living room and formal dining area with modern globe sputnik chandelier in gold and walkout to a large deck. Updated eat-in kitchen offers a large centre island, gas stove, and brand-new dishwasher. The upper level features 3 generous-sized bedrooms with Hardwood Flooring and a renovated 4-piece bath. Ground level boasts a spacious family room with Hardwood flooring and walkout to the backyard patio, plus a 3-piece bathroom.The lower levels offer 3 additional bedrooms and a media room-ideal for extended family, multi-generational living, or excellent rental income potential. The unfinished basement provides ample space to create a recreation room, second kitchen, additional bathroom, or simply use as abundant storage. Large cold room included. Beautifully landscaped backyard featuring a large deck, concrete patio, and storage shed-perfect for summer entertaining, outdoor dining, and family gatherings. Welcoming Covered Front Porch-perfect for relaxing with your morning coffee or unwinding in the evening. Located in a quiet, family-friendly neighbourhood within walking distance to parks, supermarkets, bus stops, and high school. Quick access to highways and public transit. Close to highly regarded Westmount High School. An exceptional opportunity for large families, investors, or those seeking in-law suite or duplex conversion potential.
Key facts
- Property type
- Detached, Backsplit 5
- MLS®
- X13554650
- Bedrooms
- 6 (3 + 3)
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 50 × 100 ft
- Cross streets
- Upper Paradise And Mohawk
- Parking
- 1 garage · 5 parking (attached)
- Basement
- Finished
- Heating
- Fan Coil
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,074 / 2026
- Days on market
- 5
- Listing brokerage
- REAL ONE REALTY INC.
Rooms
4 Pc Bath
Laminate
Laminate
Laminate
Laminate
Centre Island
Hardwood Floor
3 Pc Bath
Hardwood Floor
Laminate
Hardwood Floor
Laminate
Hardwood Floor
Listed at $779,000, this home is tracking about 27% 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 10 similar homes nearby, adjusted for size, beds, and baths.Median of 10 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $934K, a bit lower.
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 $600K
- Bedrooms +$30K
- Adjusts to $630K
That comparable adjusts to $630K; the $1.07M estimate above is the median of all 10 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. UPPER PARADISE at DALCAR is about a 3-minute walk away.
Total price vs nearby homes. Fair value about $1.07M, median of 10 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 28% below the area average of $622/sqft.
3 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Gilbert, 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: UPPER PARADISE at DALCAR, about 207 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 $623,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,326
- Property tax
- $506
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,832
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,055
- Estimated closing costs
- $12,055
Plus your down payment of $155,800. 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
- $199,538
- Principal paid down
- $79,365
- Interest paid
- $120,173
- Balance remaining
- $543,835
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 REAL ONE REALTY INC.. MLS®/PropTx.