30 Cumberland Avenue, Hamilton

$649,900
30 Cumberland Avenue

$649,900

New
16d
Detached2 1/2 Storey

30 Cumberland Avenue, Hamilton

Total Monthly Obligation $3,386

Beds
4
Baths
2
Park
1
Sqft
1500-2000
DOM
16d
Score
19
Yield
5.1%
Cash on Cash
-2.6%
Cap Rate
4.0%
5Y IRR
13.5%
10Y IRR
13.0%
Property Type-Detached
MLS® Number-X13873030
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-20.06 × 104 ft
Listed on site-Oct 7, 2026
Style-2 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$4,671 (2025)
Parking-1 - None
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-RE/MAX HALLMARK REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Clair
Title-Residential Freehold

No agent assigned

Welcome to this beautifully maintained 4 bedroom character home nestled in Hamilton's highly sought-after St. Clair neighbourhood. Rich in charm and thoughtfully updated throughout, this exceptional residence offers the perfect blend of timeless architecture and modern convenience. Bright, inviting living spaces are complemented by a beautifully appointed kitchen featuring a new pantry and an effortless flow for everyday living and entertaining. Upstairs, both second-floor bedrooms have been enhanced with custom closet systems, while Ethernet wiring to the third floor bedrooms provides fast, reliable internet-ideal for today's remote professional or creative workspace. Numerous recent updates offer peace of mind, including a new refrigerator ('26), air conditioner (2026), basement sewer backup pipe replacement ('25). An upgraded electrical panel with EV charger adds convenience for modern living. Main floor laundry. Private, fenced yard surrounded by mature trees. Location is everything and St. Clair delivers...just minutes from Gage Park, the boutiques, cafés and restaurants of Ottawa Street, scenic trails, excellent schools, transit, hospitals and vibrant downtown Hamilton, you'll enjoy an exceptional urban lifestyle with a true sense of community. This remarkable home offers an outstanding opportunity to experience the very best of Hamilton living. Room sizes approximate.

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

Closing Costs

Mortgage Amount
$519,920
Land Transfer Taxes$9,473
Legal Fees (Est.)
$
Total cash required for closing$140,953

Total Monthly Obligation

$3,386/mo
Mortgage $2,622
Monthly Loss $2,696
Principal$690
Interest$1,932
Property Tax$389
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%20
Cash-on-Cash
-7.6%1
5-Year IRR
9.7%33
10-Year IRR
10.4%
Returns Index
17.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 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
$33,372/yr
NOI
$20,864/yr
Net Cash Flow
-$883/mo
Cash Margin
-31.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.669
LTV Ratio
80.0%18
Vacancy Buffer
2.8 mo47
Risk Index
24.6/ 100

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

Comparables

Properties near 30 Cumberland Avenue

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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