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Price Change$985,000

128 Cathcart Street

Beasley, Hamilton

$948,000

Detached|Bungalow-Raised
3 | 2 | 4
About this home

This fully legal duplex raised bungalow, custom-built in 1997, offers approx. 2,300 sq. ft. of turn-key living space across two separate, city-approved dwellings - each with its own kitchen, laundry, and private entrance - making it ideal for multi-generational living or generating reliable rental income. The main level features 3 bedrooms, while the lower level offers 2 bedrooms with a dedicated entrance, ensuring privacy and flexibility. Highlights include an open-concept living and dining area with soaring 11-ft walnut stucco ceilings and ornamental chandeliers, a newly renovated modern kitchen with quartz countertops, backsplash, and white cabinetry, plus brand-new 2025 stainless steel appliances, wide plank hardwood floors, stylish light fixtures, blinds, and upgraded bathrooms. Energy-efficient solar panels provide rebates, while the rare attached garage, updated driveway, legal laneway parking pad, and additional backyard parking for the secondary suite add unmatched convenience in a downtown locale. With landscaped curb appeal, an extra-wide porch, and proximity to James St. North's vibrant cafes, Bayfront Park, the Art Gallery of Hamilton, Dundurn Castle, and Hess Village, this legal duplex is a rare opportunity combining comfort, income potential, and lifestyle in one.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
StyleBungalow-Raised
Approx. Age16-30
Size1100-1500 sq. ft.
Property Tax$4,528
Lot Size30.06 ft x 120.25 ft
mls© NumberX12584696
Listed ByHOMELIFE/BAYVIEW REALTY INC.

Listing History

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  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$4,852
Property tax
$377
Heat allowance
$150
Housing costs
$5,380 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $189,600
25-yr amortization

Income needed

$166,000

gross annual household income

Payment at 4%
$3,989 / mo
Cash down
$189,600

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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