$325K · 3 bed Condo Apartment · Ainslie Wood, Hamilton

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About this home

Welcome to Unit 306 at 1966 Main Street West in Hamilton - a spacious and beautifully designed 3-bedroom condo offering the perfect blend of comfort, functionality, and location. This bright unit features a modern open-concept layout that seamlessly connects the living room, dining area, and kitchen, making it ideal for both everyday living and entertaining. The kitchen is equipped with stainless steel appliances, including a dishwasher, and offers exceptional storage with two oversized pantry c…

Property details

MLS#

X12919396

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Vacant
Washrooms: 2 pc; 5 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 9
Balcony: Open
Locker: Exclusive
Association amenities: Indoor Pool, Sauna
Fees include: Building Insurance Included, Common Elements Included, Heat Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Radiant
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete Block
Fronting on: —
Cross street: Main St W
Stories: 3
Utilities: —
Laundry: Common Area
Interior: None
Parking features: Covered

Price movement & seller pressure

↓ $25KPrice reduction

MLS shows the seller reduced the asking price by $25,000 (from $349,900 to $324,900).

Motivated SellerWhy this label

118 days on market — Listing has been active for 118 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $324,900✓ $2,904 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,842/mo

incl. closing costs (yr 1)

Annual total

$46,104

year 1

Mortgage only

$1,233/mo

principal + interest

Beyond mortgage

$1,872/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$64,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$242/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$3,249/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$77/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,349

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)32% $14,791/yr

Property taxes14% $6,253/yr

Utilities9% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance7% $3,249/yr

Condo fees24% $11,151/yr

Closing costs11% $5,100/yr

Mortgage is 32% of your true cost of ownership. The other 68% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,791	$1,233/mo
Government & taxes
Property tax	$2,904	$242/mo
Land transfer tax(closing)	$3,349	$279/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,249	$271/mo
Condo fees
Condo / HOA fees	$11,151	$929/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$46,104	$3,842/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 306

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs