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$439,900
36 Margaret Street · Hamilton · Ontario L8P 4C8
120 days on market
Now offering 12 Months of Condo Fees Paid! Welcome home at the Margaret Street Lofts in the beloved Strathcona neighbourhood! This inviting 2nd floor 1-bedroom + den loft is located in a beautifully converted factory building, offering authentic character and a warm, homey feel. Soaring 12+ ft ceilings, exposed brick walls, large windows, carpet-free unit and a desirable north-east corner exposure creates a bright yet cozy home to relax in, entertain, cook, or work from home. The open-concept la…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $39KPrice reduction
MLS shows the seller reduced the asking price by $39,100 (from $479,000 to $439,900).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: RE/MAX ESCARPMENT REALTY INC.
Source: TRREB/PROPTX · MLS® X13490436
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $20,026 | $1,669/mo |
| Government & taxes | ||
| Property tax | $4,158 | $346/mo |
| Land transfer tax(closing) | $5,273 | $439/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%) | $4,399 | $367/mo |
| Condo fees | ||
| Condo / HOA fees | $10,560 | $880/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 | $55,076 | $4,590/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.