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Listed 20 days ago

146 Ottawa Street S

Delta, Hamilton

$728,000

Detached|2 1/2 Storey
3 | 2 | 1
About this home

BEAUTIFULLY UPDATED CHARACTER HOME STEPS FROM GAGE PARKThis BRIGHT 2 1/2 STOREY brick home offers SPACE & FLEXIBILITY in one of Hamilton's MOST SOUGHT AFTER NEIGHBOURHOOD. Highlights of this home include:* welcoming curb appeal with a covered front porch and stone patio* OPEN-CONCEPT KITCHEN featuring stylish two-tone cabinetry, GRANITE BREAKFAST BAR, pot lights, bamboo flooring, overlooking the bright dining room* spacious living room * convenient main-floor laundry (new washer and dryer 2026)* 3 spacious bedrooms include a generous primary plus a beautifully updated 4-piece bath with new vanity and lighting (2026) and new window (2025)* FINISHED THIRD-FLOOR LOFT ADDING VALUABLE FLEXIBLE SPACE for a teen retreat, home office, studio or guest room* FULLY FINISHED BASEMENT SUITE WITH SEPARATE ENTRANCE featuring a modern kitchen (2020), living area and 4-piece bath-ideal for extended or multi-generational family living* FULLY FENCED BACKYARD is designed for relaxing and entertaining, with a spacious deck, soothing fountain, lower deck with gazebo (2022) and storage shed.* EXCEPTIONAL LOCATION just steps from Gage Park and the vibrant Ottawa Street shopping district, with its popular cafes, restaurants and boutiques. Close to schools, parks and public transit, with future LRT stops planned at Ottawa Street and Gage Park. * EXCEPTIONAL WALKABILITY, character and lifestyle come together in this welcoming, FAMILY FRIENDLY NEIGHBOURHOOD.Some additional UPDATES include: Stone patio, steps & landing (2023), front door & railing (2025), Kitchen sink, faucet and dishwasher (2026), primary bedroom window (2021)

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2 1/2 Storey
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$4,314
Lot Size29.79 ft x 99 ft
mls© NumberX13788718
Listed ByEXP REALTY

Listing History

  • No recent sale history for this listing.
  • 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%
$3,726
Property tax
$359
Heat allowance
$150
Housing costs
$4,236 / mo

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

Down payment20% · $145,600
25-yr amortization

Income needed

$130,000

gross annual household income

Payment at 4%
$3,064 / mo
Cash down
$145,600

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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