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$199,900
DOM7days81 Charlton Avenue · Hamilton · Ontario L8N 1Y7
7 days on market
Affordable Downtown Hamilton Living with Escarpment Views! Discover exceptional value in this ideally located downtown Hamilton condo! Offering nearly 600 sq. ft. of comfortable living space, this inviting 1-bedroom, 1-bathroom suite features a private balcony, underground parking, and a dedicated locker.Enjoy the convenience of being just minutes from St. Joseph's Healthcare Hamilton, the GO Station, downtown shopping, restaurants, and everyday amenities. Located in a great neighbourhood, this…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: MICHAEL ST.JEAN REALTY INC.
Source: TRREB/PROPTX · MLS® X14087680
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo · assumes gas heat
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 27% of your true cost of ownership. The other 73% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $9,100 | $758/mo |
| Government & taxes | ||
| Property tax | $1,573 | $131/mo |
| Land transfer tax(closing) | $1,724 | $144/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Other | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $1,999 | $167/mo |
| Condo fees | ||
| Condo / HOA fees | $8,929 | $744/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 | $33,985 | $2,832/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.