$395K · 2 bed Condo Apartment · Unit 206, 10 John Street, Hamilton, Ontario L9H 6J3

Loading neighbourhood intel…

About this home

UNIT INCLUDES A RARE EXTRA BATH (2-PCE) + INSUITE LAUNDRY. HEATING IS INCLUDED IN THE CONDO FEE. DUNDAS PEAK/ESCARPMENT VIEWS. OPEN CONCEPT LR-DR-KITCHEN-FOYER. CUSTOM (CHERRY STAINED) KITCHEN MAPLE CABINETS WITH 6 UPPER GLASS PANE DOORS, ISLAND COUNTER WITH FLUSH MOUNT STOVE, CERAMIC COUNTER. PRIME DOWNTOWN LIVING. WALK TO AMENITIES. BRIGHT & CHEERY. UNDERGROUND PARKING SPOT #6.

Property details

MLS#

X12972812

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

2-Storey

Type

Condo Apartment

Year built

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

Occupancy: Owner Occupied
Washrooms: 2 pc · Main; 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Condo corp #: 326
Balcony: None
Locker: None
Fees include: Building Insurance Included, Common Elements Included, Heat Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Radiant
Heating fuel: Gas
Cooling: Window Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: King St
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Intercom
Parking features: Underground

Price movement & seller pressure

↓ $15KPrice reduction

MLS shows the seller reduced the asking price by $14,900 (from $409,900 to $395,000).

Motivated SellerWhy this label

150 days on market — Listing has been active for 150 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✓ $395,000✓ $2,591 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,101/mo

incl. closing costs (yr 1)

Annual total

$49,209

year 1

Mortgage only

$1,499/mo

principal + interest

Beyond mortgage

$1,777/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$216/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$3,950/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)$67/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,400

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $17,982/yr

Property taxes14% $6,991/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,950/yr

Condo fees20% $9,626/yr

Closing costs10% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$17,982	$1,499/mo
Government & taxes
Property tax	$2,591	$216/mo
Land transfer tax(closing)	$4,400	$367/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%)	$3,950	$329/mo
Condo fees
Condo / HOA fees	$9,626	$802/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	$49,209	$4,101/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.

Unlock Insider Deals

Sign in

Unit 206

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

Request a Showing

Request a Showing

Annual costs