21 Springgarden Crescent, Hamilton, ON
Stoney Creek Mountain, Hamilton · MLS® X13588782
About this home
In short
- Beautifully updated detached home offering 3+1 bedrooms, 4 bathrooms and a fully finished basement with excellent in-law suite potential.
- The lower level boasts a cozy large living room, a bedroom, a 3-piece bathroom & Laundry.
- Recent updates include a brand new roof, new flooring on the upper level and throughout the basement, and fresh paint throughout.
- The primary bedroom features a walk-in closet & ensuite.
- Parking for up to 6 vehicles, including a 2-car attached garage.
Beautifully updated detached home offering 3+1 bedrooms, 4 bathrooms and a fully finished basement with excellent in-law suite potential. The main level features bright, spacious Living room, a cozy family room with a fireplace and bright eat and kitchen. The lower level boasts a cozy large living room, a bedroom, a 3-piece bathroom & Laundry. Recent updates include a brand new roof, new flooring on the upper level and throughout the basement, and fresh paint throughout. The primary bedroom features a walk-in closet & ensuite. Step outside to a large, fully fenced backyard complete with a deck, pergola, and storage shed-perfect for entertaining or relaxing. Parking for up to 6 vehicles, including a 2-car attached garage. Also convenient Location with Mins to Shopping Center, Schools, Park, & Highways. Family oriented neighbourhood with all detached homes on this street, and no shortage of street parking. A move-in ready home offering space, comfort, and versatility for families of all sizes.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13588782
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 4 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 41.01 × 109.91 ft
- Cross streets
- Highland Rd & Gatestone Dr
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,088 / 2026
- Days on market
- 63
- Listing brokerage
- RE/MAX ESCARPMENT REALTY INC.
Rooms
3 Pc Bath
4 Pc Ensuite
3 Pc Bath
2 Pc Bath
Listed at $849,900. Going by how homes in Stoney Creek Mountain and the wider GTA have actually closed against their asking prices (about 98%, 22 local closings in 90 days), the likely sale price is near $829K, if it sells. A realistic range is $777K to $934K.
Independent value check: $1.02M. Without looking at the asking price, our model values the home itself about 20% above the ask (homes like it typically land between $954K and $1.07M).
Total price vs nearby homes. Likely closing about $829K, from 22 recent closings in this pocket.
The market behind the math:
About 2.2 months of inventory: 16 detached homes for sale in the area against 22 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $486/sqft against an area asking average of $471/sqft.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 22 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $864K. Condition and finishes remain an in-person call.
What the listing highlights3 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Recent major systems: lower near-term capital costs, ask for the ages and any warranties. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
Read this with carewhy it’s an estimate, not an appraisal
Below comparable homes on total price, yet the price per square foot ($486/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
Based on 22 comparable homes that sold in Stoney Creek Mountain over the past two years, from 252 closings there.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $505/sqft; this home lists at $486/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Stoney Creek Mountain, Hamilton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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 4.24% via Ratehub.ca (as of September 23, 2026); conventional rates run a little higher.
Mortgage amount $679,920 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,722
- Property tax
- $424
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,146
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,473
- Estimated closing costs
- $13,473
Plus your down payment of $169,980. 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
- $223,302
- Principal paid down
- $84,067
- Interest paid
- $139,235
- Balance remaining
- $595,853
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 numbersThe last 26 whole-home leases in Stoney Creek Mountain signed at a median of $2,933 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,964. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
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.