40 Stillwater Crescent, Hamilton, ON
Waterdown, Hamilton · MLS® X13875350
About this home
In short
- Welcome to this bright, meticulously maintained home offering nearly 2,000 sq. ft. above grade, plus a newly completed 2-bedroom legal basement apartment, in a highly...
- The main floor features beautiful engineered hardwood flooring, direct interior garage access, and a bright open-concept living and dining area, creating an inviting...
- The stylish kitchen offers a brand-new stove, generous breakfast area, and sliding doors leading to a private backyard deck.
- Oak stairs lead to the spacious second floor with 4 large bedrooms, including a generous primary suite with a walk-in closet and refreshed ensuite bathroom.
- Enjoy a fantastic location close to parks, golf courses, soccer fields, Brant Hills Community Centre, and with easy access to Burlington and Aldershot GO Stations.
Welcome to this bright, meticulously maintained home offering nearly 2,000 sq. ft. above grade, plus a newly completed 2-bedroom legal basement apartment, in a highly desirable Waterdown neighbourhood on the Burlington border. The main floor features beautiful engineered hardwood flooring, direct interior garage access, and a bright open-concept living and dining area, creating an inviting space for both everyday living and entertaining. The stylish kitchen offers a brand-new stove, generous breakfast area, and sliding doors leading to a private backyard deck. Oak stairs lead to the spacious second floor with 4 large bedrooms, including a generous primary suite with a walk-in closet and refreshed ensuite bathroom. Convenient upper-level laundry includes a new washer and dryer. The brand-new legal basement is thoughtfully designed with a private side-entrance pathway, quartz kitchen, 4-piece bathroom, and dedicated in-suite laundry, offering excellent flexibility and added value for homeowners and investors. Additional updates include upgraded light fixtures and electrical switches, and a recently upgraded concrete driveway. No sidewalk means maximum driveway parking and added convenience. Enjoy a fantastic location close to parks, golf courses, soccer fields, Brant Hills Community Centre, and with easy access to Burlington and Aldershot GO Stations. A rare opportunity to own a spacious 4-bedroom home with a brand-new legal 2-bedroom basement apartment, combining space, modern updates, and exceptional versatility.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- X13875350
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 4 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 30.72 × 89.74 ft
- Cross streets
- Springcreek Dr/Dundas
- Parking
- 1 garage · 3 parking (built-in)
- Basement
- Apartment, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,281 / 2026
- Days on market
- 8
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
hardwood floor · double closet
hardwood floor · combined w/dining
hardwood floor · closet
hardwood floor · walk-in closet(s) · 3 pc ensuite
centre island · w/o to patio · ceramic floor
hardwood floor · closet
hardwood floor · combined w/kitchen · window
ceramic floor · overlooks backyard
Listed at $1,099,000. Going by how homes in Waterdown and the wider GTA have actually closed against their asking prices (about 97%, 32 local closings in 90 days), the likely sale price is near $1.06M, if it sells. A realistic range is $994K to $1.20M.
Independent value check: $1.09M. Without looking at the asking price, our model values the home itself in line with the ask (homes like it typically land between $1.02M and $1.14M).
Total price vs nearby homes. Likely closing about $1.06M, from 32 recent closings in this pocket.
The market behind the math:
About 1.1 months of inventory: 12 detached homes for sale in the area against 32 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $628/sqft against an area asking average of $582/sqft.
- Separate-entrance basement apartment features. A finished 2 bed basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Waterdown: 7 of the 70 detached leases here lately were basement units, around $1,990 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the Town of Hamilton.
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 32 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.15M. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
- Open-concept layout: modern, sought-after flow. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Based on 32 comparable homes that sold in Waterdown over the past two years, from 311 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 $643/sqft; this home lists at $628/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Waterdown: $1.03M in September 2026, up 1% from a year ago, on 163 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.12M | 12 |
| November 2025 | $1.10M | 13 |
| December 2025 | $1.03M | 9 |
| January 2026 | $1.29M | 12 |
| February 2026 | $1.13M | 7 |
| March 2026 | $1.17M | 11 |
| April 2026 | $1.20M | 17 |
| May 2026 | $1.12M | 18 |
| June 2026 | $1.25M | 19 |
| July 2026 | $1.10M | 22 |
| August 2026 | $1.17M | 14 |
| September 2026 | $1.03M | 9 |
Neighbourhood & location
Waterdown, 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 4.34% via Ratehub.ca (as of October 17, 2026); conventional rates run a little higher.
Mortgage amount $879,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,861
- Property tax
- $607
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,468
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $18,455
- Estimated closing costs
- $18,455
Plus your down payment of $219,800. 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
- $291,675
- Principal paid down
- $107,422
- Interest paid
- $184,253
- Balance remaining
- $771,778
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
The suite is real income here: basements rent in Waterdown (7 of 70 recent detached leases were basement units, around $1,990 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,990 a month on top of the upper floors. Permitted use is worth confirming with the city.
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 22 whole-home leases in Waterdown signed at a median of $3,870 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,387. 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 RIGHT AT HOME REALTY. MLS®/PropTx.