34 Humphrey Street, Hamilton

$1,299,000
34 Humphrey Street

$1,299,000

New
8d
Detached2-Storey

34 Humphrey Street, Hamilton

Total Monthly Obligation $6,264

Beds
4
Baths
5
Park
2
Sqft
2500-3000
DOM
8d
Score
17
Yield
4.4%
Cash on Cash
-4.7%
Cap Rate
3.6%
5Y IRR
11.8%
10Y IRR
11.7%
Property Type-Detached
MLS® Number-X14083524
Beds-4
Bathrooms-5
Size-2500-3000 sqft
Lot Size-38.13 × 90.39 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Age-6-15
Taxes-$7,795.41 (2026)
Parking-4 - Built-In
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-Royal LePage Real Estate Associates
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-Waterdown
Title-Residential Freehold

No agent assigned

Welcome to this show-stopping Waterdown home, where every detail has been elevated and every day feels like a getaway. Soaring 9-foot ceilings throughout create an airy, open feel from the moment you step inside, while updated flooring, refreshed bathrooms and stylish fixtures add a polished finish you'll love. The bedroom layout is as practical as it is luxurious: two bedrooms each enjoy their own private ensuite, while two additional bedrooms share a convenient Jack and Jill bathroom, so busy mornings run smoothly. Upstairs you'll also find a great loft-style computer/office nook, ideal for working from home, homework or a quiet reading corner. A separate entrance from the garage into the mudroom keeps backpacks, boots and groceries tucked away from your main living areas. Then there's the basement, which is an entertainer's dream! The fully finished lower level features a fabulous wet bar area, perfect for game nights, birthday parties and holiday gatherings, plus a full bathroom for guests. Step outside to your own private resort. The finished backyard is a hassle-free oasis with no grass to cut, centred around an 8-person hot tub, ready for soaking under the stars in every season. Peace of mind comes standard, too, with a new air conditioner installed just four years ago. Commuters will love being just minutes to Highways 403 and 407 and Aldershot GO Station, with easy access to Burlington, Hamilton and the GTA. Set in the welcoming community of Waterdown, this home blends comfort, style and lifestyle in one exceptional package. Move in, unpack and start living the lifestyle you've been dreaming of!

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

Closing Costs

Mortgage Amount
$1,039,200
Land Transfer Taxes$22,455
Legal Fees (Est.)
$
Total cash required for closing$283,755

Total Monthly Obligation

$6,264/mo
Mortgage $5,240
Monthly Loss $4,886
Principal$1,379
Interest$3,861
Property Tax$650
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.4%1
5-Year IRR
8.9%28
10-Year IRR
9.7%
Returns Index
15.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$57,360/yr
NOI
$39,329/yr
Net Cash Flow
-$1,962/mo
Cash Margin
-41.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.638
LTV Ratio
80.0%18
Vacancy Buffer
1.5 mo24
Risk Index
16.5/ 100

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

Comparables

Properties near 34 Humphrey Street

Time

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