33 Saint Clair Avenue, Hamilton, ON
Gibson, Hamilton · MLS® X13555876
About this home
Located on a famously family-friendly street lined with mature trees, this 2 1/2 storey, 1770 sq ft, three bedroom + den family home is perfectly situated away from busy streets. Exuding timeless character, the original millwork, trim, doors and floors throughout the foyer, living room and dining room create a warm and welcoming atmosphere. The cozy living room with fireplace and bay window can be separated from the dining room with the classic sliding pocket doors that this era of homes is know for. Morning coffee, summer evenings and simply unwinding can be enjoyed on the large, covered front porch. Upstairs, three bedrooms, a full bathroom and den (that can be a small bedroom or office), offer plenty of space for any growing family or guests. Walkout from the den to a beautiful rooftop deck adds even more outdoor living space. The top storey is over 400 sq ft, finished, easily accessible by stairs and contains an amazing child-friendly "secret" treehouse style playroom. The loft could also serve as an additional bedroom, the choice is yours. The spacious kitchen comes with a convenient walkout to a very private and comfortable backyard. Front yard parking means never looking for a spot and comes with a NEMA 14-50 EV car charger. Full Basement with multiple storage rooms, cold room, and 3-Pc bathroom. Forced air furnace and central air means no radiators to bleed. Waterline replaced in 2025. Electrical and plumbing upgraded in 2015-2016.
Key facts
- Property type
- Detached, 2 1/2 Storey
- MLS®
- X13555876
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000
- Lot
- 29 × 88.66 ft
- Cross streets
- King St E & Sherman Ave S
- Parking
- 2 parking
- Driveway
- Front Yard Parking
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,563 / 2026
- Days on market
- 4
- Listing brokerage
- SUTTON GROUP - SUMMIT REALTY INC.
Rooms
W/O To Balcony
Open Concept
Listed at $775,000, this home is about 21% above what comparable homes suggest. 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 $904K, higher than the comparables and worth a second look.
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 $857K
- Bedrooms −$30K
- Bathrooms −$15K
- Adjusts to $812K
That comparable adjusts to $812K; the $640K 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 at SHERMAN is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $640K, 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 23% above the area average of $361/sqft.
2 days longer than the Hamilton average (2 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Gibson, 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 at SHERMAN, about 172 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 $620,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,309
- Property tax
- $380
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,689
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,975
- Estimated closing costs
- $11,975
Plus your down payment of $155,000. 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
- $198,513
- Principal paid down
- $78,957
- Interest paid
- $119,556
- Balance remaining
- $541,043
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 SUTTON GROUP - SUMMIT REALTY INC.. MLS®/PropTx.