687 Upper James Street
Balfour, Hamilton
$689,000
Move-in ready home in one of Hamilton's most convenient locations! Close to schools, parks, shopping, transit, and all the amenities you need. Beautifully updated throughout, this home offers two separate living spaces, ideal for an in-law suite or potential rental income. The upper level features a modern kitchen with quartz countertops, updated appliances, renovated bathrooms, and plenty of natural light. The finished basement with a separate entrance includes its own kitchen and bathroom for added flexibility. Recent updates include windows (2025), furnace (2025), updated light fixtures throughout, and fully renovated bathrooms. With parking for three cars, this is a fantastic opportunity for families, first-time buyers, or investors!
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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | Not available |
| Size | 1500-2000 sq. ft. |
| Property Tax | $4,031 |
| Lot Size | 50 ft x 109 ft |
| mls© Number | X13659608 |
| Listed By | CITYGATE REALTY 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%
- $3,527
- Property tax
- $336
- Heat allowance
- $150
- Housing costs
- $4,013 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$123,000
gross annual household income
- Payment at 4%
- $2,899 / mo
- Cash down
- $137,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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