55 Cayley Street, Hamilton

$1,499,900
55 Cayley Street

$1,499,900

New
25d
Detached1 1/2 Storey

55 Cayley Street, Hamilton

Total Monthly Obligation $6,882

Beds
3
Baths
2
Park
4
Sqft
1500-2000
DOM
25d
Score
15
Yield
2.9%
Cash on Cash
-10.6%
Cap Rate
2.3%
5Y IRR
7.3%
10Y IRR
8.2%
Property Type-Detached
MLS® Number-X13838434
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-90 × 120 ft
Listed on site-Sep 28, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$5,484 (2025)
Parking-5 - Detached
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE STATE REALTY
Cooling-Central Air
Laundry-No
Fireplace-Electric, Natural Gas
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-Flexible
Neighbourhood-Dundas
Title-Residential Freehold

No agent assigned

With a wraparound porch you'll never want to leave, 55 Cayley is the one you've been waiting for. This Victorian cottage is perfectly located in one of Dundas' most desirable neighbourhoods, the home is steps from Dundas Driving Park, close to trails, schools, and the vibrant shops and cafes of Downtown Dundas. Accented by original coal gas fixtures, detailed carpentry, and warm woodwork, it radiates charm and character throughout. Inside, soaring 10' ceilings, oak hardwood floors, and oversized windows create a bright natural flow. The main floor offers true one-floor living with a spacious front hall, elegant living room or office, sprawling family room with ornate gas fireplace, generous bedroom, and full bath. A butler's pantry leads into the kitchen, filled with original character and framed by garden views. From here, step into the bright sun porch with walkout to the rear gardens. The separate dining room opens out to the side garden, where a 1920s gazebo and stonework create an enchanting, secret garden setting - perfect for intimate gatherings or quiet reflection. Separate staircases lead to the 2nd floor, where you'll find a rear bedroom or den, full bath, ample storage, and a generous primary retreat with dormer windows, electric fireplace, and walkout to an enclosed terrace overlooking the streetscape and treetops beyond. Outdoors, mature gardens, multiple sitting areas, a powered garage and separate studio space, long driveway, and versatile outbuilding add practicality and flexibility. Set on a rare double-wide lot of more than 0.25 acre, this property offers space, privacy, and presence rarely found in Dundas.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$1,199,920
Land Transfer Taxes$26,473
Legal Fees (Est.)
$
Total cash required for closing$327,953

Total Monthly Obligation

$6,882/mo
Mortgage $6,050
Monthly Loss $5,290
Principal$1,592
Interest$4,458
Property Tax$457
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.9%11
Cash-on-Cash
-13.6%0
5-Year IRR
4.9%11
10-Year IRR
6.6%
Returns Index
6.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
15/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$42,972/yr
NOI
$28,691/yr
Net Cash Flow
-$3,659/mo
Cash Margin
-102.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.403
LTV Ratio
80.0%18
Vacancy Buffer
1.4 mo22
Risk Index
14.5/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 55 Cayley Street

Time

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