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Listed 18 days ago

23 Garfield Avenue N

Stipley, Hamilton

$548,900

Detached|2 1/2 Storey
4 | 2 | 0
About this home

Welcome to 23 Garfield Avenue North, a home filled with character, warmth and more space than you might expect. With 1,556 sq. ft. of living space, 4 bedrooms and 2 bathrooms, this home provides plenty of room to grow, gather and make your own. The main floor features an inviting living room, spacious dining area and functional kitchen with rich cabinetry, stainless steel appliances, ample counter space and natural light. Hardwood flooring and charming details add to the warm, welcoming feel. The second level features 3 bedrooms and a well-appointed bathroom, while the upper half-storey provides a spacious 4th bedroom, ideal as a home office, guest space or private retreat. The finished lower level adds a generous recreation area, second bathroom and dedicated laundry. Out back, enjoy a deck overlooking the private, fully fenced yard with mature greenery, lawn space, patio and storage shed. Conveniently located near schools, transit, everyday amenities, downtown Hamilton and Hamilton Stadium. With 4 finished levels of living space, there's much more here than meets the eye.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2 1/2 Storey
Approx. Age100+
Size1500-2000 sq. ft.
Property Tax$3,200
Lot Size21.05 ft x 106.38 ft
mls© NumberX13798548
Listed ByROYAL LEPAGE STATE 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%
$2,810
Property tax
$267
Heat allowance
$150
Housing costs
$3,226 / mo

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

Down payment20% · $109,780
25-yr amortization

Income needed

$99,000

gross annual household income

Payment at 4%
$2,310 / mo
Cash down
$109,780

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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