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Listed 10 days ago

23 Chatham Street

Kirkendall, Hamilton

$649,000

Detached|Bungalow
3 | 2 | 3
About this home

Solid all-brick bungalow in Hamilton's highly sought-after Kirkendall neighbourhood! Lovingly maintained by the same owner for 50yrs, this charming 3+1 bed, 2-bath, 2-kitchen home offers incredible potential. Main level w/ original hardwood floors features living rm, kitchen, dining area, 3 bdrms & 4pc bath. Separate side entrance to basement, offering excellent possibilities for in-law, multi-generational or income potential. Lower level offers kitchen, rec room, bedroom, 4pc bath, cold cellar & utility area w/ potential for additional living space. Set on 129' deep lot w/ great curb appeal, fully fenced private yard, front concrete driveway & 2 additional rear parking spaces. Rear laneway access offers detached garage or ADU possibilities. Updates: furnace (2026), roof (2026), basement bath (2019), porch steps (2021). Just steps to vibrant Locke St and close to schools, shopping, restaurants, transit, highways, parks, trails& golf. A rare opportunity in a fantastic community!

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
StyleBungalow
Approx. Age51-99
Size700-1100 sq. ft.
Property Tax$6,467
Lot Size27.88 ft x 129 ft
mls© NumberX13828738
Listed ByRE/MAX ESCARPMENT GOLFI 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%
$3,322
Property tax
$539
Heat allowance
$150
Housing costs
$4,011 / mo

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

Down payment20% · $129,800
25-yr amortization

Income needed

$123,000

gross annual household income

Payment at 4%
$2,731 / mo
Cash down
$129,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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