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$440K · 1 bed Condo Apartment · Unit 21, 36 Margaret Street, Hamilton, Ontario L8P 4C8 | HomeSearchCanada

$439,900

Unit 21

72 DOM

1172d

Map

DOM 72

↓ $39K

$439,900

↓ $39K

DOM72days

Unit 21

36 Margaret Street · Hamilton · Ontario L8P 4C8

MLS® X13490436 · Strathcona · L8P 4C8

11OwnerOccupied1000-1199 ft²Condo ApartmentNoneNo basement72d$400/ft²$4,158 tax/yrNo basement

72 days on market

About this home

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…

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Property details

MLS#: X13490436
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
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: Owner Occupied
Washrooms: 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: D/S-1402a

Roof: Flat
Property features: Arts Centre, Park, Hospital, Lake Access, Place Of Worship, Rec./Commun.Centre

Fireplaces: 1
Fireplace features: Natural Gas

View: City

Condo corp #: 328
Balcony: None
Locker: Exclusive
Association amenities: Community BBQ
Fees include: Water Included, Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Stucco (Plaster), Other · Patio
Fronting on: —
Cross street: Main St W
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Intercom, Separate Heating Controls
Parking features: Surface, Reserved/Assigned

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $39KPrice reduction

MLS shows the seller reduced the asking price by $39,100 (from $479,000 to $439,900).

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

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX ESCARPMENT REALTY INC.

Source: TRREB/PROPTX · MLS® X13490436

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$440K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,900✓ $4,158 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,590/mo

incl. closing costs (yr 1)

Annual total

$55,076

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$2,023/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$346/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%$4,399/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)$73/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $20,026/yr

Property taxes17% $9,431/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,399/yr

Condo fees19% $10,560/yr

Closing costs9% $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)	$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.

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Unit 21

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs