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Listed 2 months ago

226 Ottawa Street S

Delta, Hamilton

$658,000

Detached|2 1/2 Storey
4 | 2 | 1
About this home

Just steps from the cafes, restaurants, boutiques, and local favourites that make Ottawa Street one of Hamilton's most vibrant neighbourhoods, this well-maintained 4-bedroom, 2-bathroom home offers the perfect balance of character, space, and convenience. Set on a generous 30 x 115 ft lot with private parking, it's an ideal opportunity for families, professionals, or anyone looking to enjoy a walkable, community-focused lifestyle.Inside, bright and inviting living spaces are complemented by a functional layout with room for family, guests, or a home office. Outside, the deep backyard provides plenty of space to relax, entertain, or garden throughout the warmer months.With parks, schools, transit, and everyday amenities all nearby, this is more than just a home-it's a chance to be part of one of Hamilton's most sought-after neighbourhoods.

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agent
Angela Montano
(647) 283-2643
TypeDetached
Style2 1/2 Storey
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$3,558
Lot Size30 ft x 115.83 ft
mls© NumberX13512102
Listed ByTHE WEIR TEAM, BROKERAGE INC.

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$3,368
Property tax
$297
Heat allowance
$150
Housing costs
$3,814 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $131,600
25-yr amortization

Income needed

$117,000

gross annual household income

Payment at 4%
$2,769 / mo
Cash down
$131,600

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

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