421 Rock Chapel Road, Hamilton, ON
Rural Flamborough, Hamilton · MLS® X13578476
About this home
Enjoy the best of country living just minutes from city conveniences! Nestled on picturesque Rock Chapel Road in the heart of Flamborough, bordering Dundas. This charming 3-bedroom, 1.5-bath home offers privacy, nature, and an unbeatable location near Borer's falls, the Royal Botanical Gardens, scenic hiking trails, conservation areas, and easy access to Burlington, Hamilton, Waterdown, and major highways. Inside, you'll find a freshly painted interior featuring an updated bathroom, pot lights, a cozy gas fireplace, and a spacious mudroom with plenty of everyday functionality. Major updates include a durable metal roof, furnace and central air (2010), drilled well, septic system, and sump pump for added peace of mind. Step outside to a fully fenced yard-perfect for children, pets, or entertaining-and a large detached shed with hydro, ideal for a workshop, storage, or hobby space. A rare opportunity to enjoy peaceful rural living without sacrificing convenience.
Key facts
- Property type
- Detached, Sidesplit 3
- MLS®
- X13578476
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1500-2000
- Lot
- 90 × 167 ft
- Cross streets
- Valley Rd
- Parking
- 6 parking
- Driveway
- Private Double, Front Yard Parking
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Aluminum Siding
- Foundation
- Block
- Roof
- Metal
- Sewer
- Septic
- Property tax
- $4,851 / 2026
- Listing brokerage
- KELLER WILLIAMS EDGE REALTY
Rooms
Fireplace
4 Pc Bath
2 Pc Bath
Open Concept
Sliding Doors
Listed at $869,000, 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 36 similar homes nearby, adjusted for size, beds, and baths.Median of 36 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.04M, a bit lower. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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
- Bedrooms −$30K
- Adjusts to $969K
That comparable adjusts to $969K; the $1.18M estimate above is the median of all 36 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 more car-dependent spot, so buyers here typically drive. Leavitt Loop is about a 29-minute walk away. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.18M, median of 36 comparables.
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 36% below the area average of $777/sqft.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Rural Flamborough, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Car-DependentA 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.
Almost all errands require a car.
🚉 Nearest transit: Leavitt Loop, about 2.3 km 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 $695,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,710
- Property tax
- $404
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,114
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,855
- Estimated closing costs
- $13,855
Plus your down payment of $173,800. 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
- $222,591
- Principal paid down
- $88,534
- Interest paid
- $134,057
- Balance remaining
- $606,666
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 KELLER WILLIAMS EDGE REALTY. MLS®/PropTx.