124 Kipling Road, Hamilton, ON
Westdale, Hamilton · MLS® X13575244
About this home
Welcome to 124 Kipling Road, a hidden gem on a quiet street in coveted Westdale. This home offers privacy and an outdoor lifestyle that's truly second to none. A custom cedar front porch creates a warm and inviting first impression, setting the tone for the thoughtfully designed spaces found throughout the property. Inside, the sun-filled living room welcomes you with a beautiful bay window that fills the space with natural light and a cozy fireplace, serving as its focal point. Featuring three generously sized bedrooms and two beautifully renovated bathrooms, showcasing timeless finishes and bringing a touch of everyday luxury. The finished lower level offers flexible additional living space. Despite all the beauty inside, the true magic is found outdoors. The meticulously maintained grounds feature a Hamilton Trillium Award-winning garden; it truly feels like a private resort, complete with a hot tub, custom cold plunge, outdoor shower, and multiple areas to relax, entertain, and enjoy the peaceful surroundings. A truly rare offering where thoughtful design, award-winning landscaping, and everyday luxury come together.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- X13575244
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 34 × 95 ft
- Cross streets
- Glen Road & Bond St N
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Aluminum Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $6,498 / 2026
- Listing brokerage
- KELLER WILLIAMS REFERRED URBAN REALTY
Rooms
ceramic floor · closet
Closet
glass doors · hardwood floor
hardwood floor · fireplace · bay window
3 pc bath · ceramic floor
hardwood floor · large window · closet
w/o to deck · eat-in kitchen · stainless steel appl
hardwood floor · large window
Open Concept
Ceramic Floor
4 Pc Bath
hardwood floor · large window · closet
Ceramic Floor
Listed at $899,000, this home is tracking about 16% above a wider set of listings, though close matches were thin, so treat this as a rough read until I run 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 8 similar homes nearby, adjusted for size, beds, and baths.Median of 8 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $798K, 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 $950K
- Adjusts to $950K
That comparable adjusts to $950K; the $776K estimate above is the median of all 8 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. LONGWOOD at NORWOOD is about a 3-minute walk away.
Total price vs nearby homes. Fair value about $776K, median of 8 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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- 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 12% above the area average of $616/sqft.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Westdale, 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: LONGWOOD at NORWOOD, about 239 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 $719,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,838
- Property tax
- $542
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,379
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,455
- Estimated closing costs
- $14,455
Plus your down payment of $179,800. 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
- $230,275
- Principal paid down
- $91,590
- Interest paid
- $138,685
- Balance remaining
- $627,610
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 KELLER WILLIAMS REFERRED URBAN REALTY. MLS®/PropTx.