687 Upper James Street

Balfour, Hamilton · MLS® X13659608

523

House · Single Family · 75 days on market

listed by Nila Amedi, CITYGATE REALTY INC.

realtor's description

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!

property details

type: House, Single Family
bedrooms: 5
bathrooms: 2
parking: 3
property tax: $4,031 / yr
days on market: 75
MLS®: X13659608

features

In-Law Suite
Refrigerator
Gas stove(s)
Microwave

monthly cost

$3,338/mo

Mortgage $3,002 · Tax $336

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$3,002/ monthly

loan $551,200

25-year amortization

down payment20% · $137,80020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 25, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $349,372
cash to close: $137,800; down payment; transfer tax and fees not included
total paid: $900,572

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer.