$400K · 2 bed Condo Apartment · Unit 208, VISTA CONDOS, 455 Charlton Avenue, Hamilton, Ontario L8N 0B2

Loading neighbourhood intel…

About this home

Excellent Value @ Stylish and Modern Vista Condos Built 2020. Live right next to nature while nearby city conveniences! Excellent Central Location - Perfect for Business Professionals working Downtown & Healthcare Workers as its steps to St. Joes Hospital and minutes to many area Hospitals. Open concept Elm layout boasts 811 square feet - 2 Beds, 2 Baths. Corner unit with Escarpment & City Views - Oversized Windows and Sliding Doors provide plenty of Natural Light & Lake views. Freshly painted!…

Property details

MLS#

X13037528

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

1 Storey/Apt

Type

Condo Apartment

Year built

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

Occupancy: Vacant
Washrooms: 3 pc · Main; 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Building name: VISTA CONDOS
Condo corp #: 599
Balcony: Open
Locker: Owned
Association amenities: Bike Storage, Community BBQ, Elevator, Exercise Room, Party Room/Meeting Room, Visitor Parking
Fees include: Heat Included, Common Elements Included, Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Stone, Concrete · Landscaped, Patio
Fronting on: —
Cross street: WENTWORTH ST S
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Intercom
Parking features: Surface

Price movement & seller pressure

↓ $50KPrice reduction

MLS shows the seller reduced the asking price by $50,000 (from $449,900 to $399,900).

Motivated SellerWhy this label

91 days on market — Listing has been active for 91 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✓ $399,900✓ $4,686 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,194/mo

incl. closing costs (yr 1)

Annual total

$50,334

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,846/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$391/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%$3,999/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)$58/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,474

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $18,205/yr

Property taxes18% $9,160/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,999/yr

Condo fees17% $8,310/yr

Closing costs10% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,205	$1,517/mo
Government & taxes
Property tax	$4,686	$391/mo
Land transfer tax(closing)	$4,474	$373/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%)	$3,999	$333/mo
Condo fees
Condo / HOA fees	$8,310	$692/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	$50,334	$4,194/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 208

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