43-1300 Upper Ottawa Street, Hamilton, ON
Quinndale, Hamilton · MLS® X13563390
About this home
Affordable Homeownership with More Included Than You Think! Why rent when you can own? This spacious 3+1 bedroom condo townhouse offers exceptional value for first-time buyers, growing families, and savvy investors looking for generous living space in a convenient Hamilton location. Step inside to discover a bright, functional layout designed for everyday living. The inviting living room features large patio doors leading to a private deck, while the eat-in kitchen offers stainless steel appliances, ample cabinetry, a breakfast bar, and direct access to the fully fenced backyard-perfect for summer BBQs, children, pets, or simply relaxing outdoors.Upstairs, you'll find three generously sized bedrooms and a well-appointed 4-piece bathroom, providing plenty of room for the whole family. The finished basement expands your living options with a large rec room currently used as a fourth bedroom, a convenient 2-piece bathroom, and a dedicated laundry area-ideal for guests, a home office, or additional rental potential. Located close to schools, parks, shopping, public transit, and major commuter routes, this home offers the convenience today's buyers are searching for. The monthly condo fee provides outstanding value by covering water, high-speed internet, basic cable, lawn maintenance, snow removal, exterior building insurance and maintenance, and parking-helping simplify your monthly budget while reducing ongoing maintenance responsibilities. Whether you're purchasing your first home, looking to downsize without sacrificing space, or expanding your investment portfolio, this move-in-ready townhouse is an opportunity you won't want to miss. Book your private showing today and discover the value this home has to offer!
Key facts
- Property type
- Condo Townhouse, 2-Storey
- MLS®
- X13563390
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2 (1 half)
- Size
- 1000-1199
- Cross streets
- Stone Church Rd E and Upper Ottawa St
- Parking
- 1 parking
- Basement
- Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Maintenance
- $655/mo
- Exposure
- South
- Property tax
- $2,845 / 2025
- Days on market
- 3
- Listing brokerage
- REVEL Realty Inc., Brokerage
Rooms
Listed at $449,000, this home is about 8% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Below comparable homes on total price, yet the price per square foot ($408/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
There were not many closely comparable homes right in Quinndale, so I widened the search to the surrounding area.
Based on 11 similar homes nearby, adjusted for size, beds, and baths.Median of 11 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $415K, 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 $470K
- Bedrooms +$30K
- Adjusts to $500K
That comparable adjusts to $500K; the $489K estimate above is the median of all 11 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. UPPER OTTAWA at QUEENSBURY is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $489K, median of 11 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.
- Value driver
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 4% below the area average of $425/sqft.
19 days faster than the Hamilton average (22 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Quinndale, 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: UPPER OTTAWA at QUEENSBURY, about 47 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 $359,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,917
- Property tax
- $237
- Condo / maintenance fees
- $655
- Heating
- $0
- Estimated monthly cost
- $2,809
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $5,455
- Estimated closing costs
- $5,455
Plus your down payment of $89,800. 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
- $115,009
- Principal paid down
- $45,744
- Interest paid
- $69,265
- Balance remaining
- $313,456
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 REVEL Realty Inc., Brokerage. MLS®/PropTx.