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$449,999
73 Garfield Avenue · Hamilton · Ontario L8M 2S3
77 days on market
Welcome to this one-of-a-kind loft nestled within a beautifully converted historic building in the heart of Hamilton! This stylish 2-storey loft offers an incredible blend of character, space and modern convenience. Featuring 1+1 bedroom, 1 bathroom and over 1,600 square feet of finished living space, including a rare finished basement, an almost unheard-of feature in loft living.From the moment you step inside, you'll be captivated by the expansive ceilings, oversized windows, and abundant natu…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $79KPrice reduction
MLS shows the seller reduced the asking price by $79,001 (from $529,000 to $449,999).
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: Keller Williams Edge Realty
Source: TRREB/PROPTX · MLS® X13650978
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,300 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 39% of your true cost of ownership. The other 61% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $20,486 | $1,707/mo |
| Government & taxes | ||
| Property tax | $4,532 | $378/mo |
| Land transfer tax(closing) | $5,475 | $456/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%) | $4,500 | $375/mo |
| Condo fees | ||
| Condo / HOA fees | $7,531 | $628/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 | $53,183 | $4,432/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.