76 MARGARET Avenue, Hamilton, ON
Stoney Creek, Hamilton · MLS® X13579350
About this home
There's a reason buyers drive up Margaret Avenue and slow down. This home is located at the base of the StoneyCreek Plateau - one of Hamilton's most sought-after pockets, tucked just below the Niagara Escarpment where the views are long, the streets are quiet, and the lots are generous. 76 Margaret is a classic 3-bedroom bungalow that delivers exactly what's becoming hard to find: single-level living, a large private lot, and a neighbourhood with genuine roots. Whether you're a downsizer, a young family wanting space to grow, or a buyer who knows that land on the Plateau holds its value - this home and lot checks the box. Spend your mornings on the Escarpment trails, your weekends at the Devil's Punchbowl or Confederation Park along Lake Ontario, and your evenings on a yard that's actually worth having. Quick access to the QEW keeps Hamilton, Burlington, and the Niagara region well within reach. Homes like this - bungalows, big lots, Plateau address - are rare. Don't wait.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- X13579350
- Bedrooms
- 3
- Bathrooms
- 1
- Size
- 1100-1500
- Lot
- 57.3 × 150.27 ft
- Cross streets
- Millen Rd/ Margaret Ave
- Parking
- 4 parking
- Driveway
- Private Double
- Basement
- Full, Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,138 / 2025
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
Listed at $659,000, this home is about 34% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
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 $694K, lower 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 $665K
- Bathrooms −$15K
- Adjusts to $650K
That comparable adjusts to $650K; the $999K 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. HIGHWAY 8 at MILLEN is about a 8-minute walk away.
Total price vs nearby homes. Fair value about $999K, median of 8 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 $796/sqft.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Stoney Creek, 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: HIGHWAY 8 at MILLEN, about 646 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 $527,200 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,813
- Property tax
- $345
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,158
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $9,655
- Estimated closing costs
- $9,655
Plus your down payment of $131,800. 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
- $168,800
- Principal paid down
- $67,139
- Interest paid
- $101,661
- Balance remaining
- $460,061
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 RE/MAX ESCARPMENT REALTY INC.. MLS®/PropTx.