40 Stillwater Crescent, Hamilton

$1,099,000
40 Stillwater Crescent

$1,099,000

New
15d
Detached2-Storey

40 Stillwater Crescent, Hamilton

Total Monthly Obligation $5,415

Beds
6
Baths
4
Park
2
Sqft
1500-2000
DOM
15d
Score
16
Yield
4.0%
Cash on Cash
-6.8%
Cap Rate
3.1%
5Y IRR
10.2%
10Y IRR
10.4%
Property Type-Detached
MLS® Number-X13875350
Beds-6
Bathrooms-4
Size-1500-2000 sqft
Lot Size-30.72 × 89.74 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Age-6-15
Taxes-$7,281 (2026)
Parking-3 - Built-In
Basement-Apartment, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-RIGHT AT HOME REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-Immediate
Neighbourhood-Waterdown
Title-Residential Freehold

No agent assigned

Welcome to this bright, meticulously maintained home offering nearly 2,000 sq. ft. above grade, plus a newly completed 2-bedroom legal basement apartment, in a highly desirable Waterdown neighbourhood on the Burlington border. The main floor features beautiful engineered hardwood flooring, direct interior garage access, and a bright open-concept living and dining area, creating an inviting space for both everyday living and entertaining. The stylish kitchen offers a brand-new stove, generous breakfast area, and sliding doors leading to a private backyard deck. Oak stairs lead to the spacious second floor with 4 large bedrooms, including a generous primary suite with a walk-in closet and refreshed ensuite bathroom. Convenient upper-level laundry includes a new washer and dryer. The brand-new legal basement is thoughtfully designed with a private side-entrance pathway, quartz kitchen, 4-piece bathroom, and dedicated in-suite laundry, offering excellent flexibility and added value for homeowners and investors. Additional updates include upgraded light fixtures and electrical switches, and a recently upgraded concrete driveway. No sidewalk means maximum driveway parking and added convenience. Enjoy a fantastic location close to parks, golf courses, soccer fields, Brant Hills Community Centre, and with easy access to Burlington and Aldershot GO Stations. A rare opportunity to own a spacious 4-bedroom home with a brand-new legal 2-bedroom basement apartment, combining space, modern updates, and exceptional versatility.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$879,200
Land Transfer Taxes$18,455
Legal Fees (Est.)
$
Total cash required for closing$239,755

Total Monthly Obligation

$5,415/mo
Mortgage $4,433
Monthly Loss $4,248
Principal$1,167
Interest$3,267
Property Tax$607
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.6%15
Cash-on-Cash
-10.6%1
5-Year IRR
7.3%19
10-Year IRR
8.5%
Returns Index
11.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$44,400/yr
NOI
$28,179/yr
Net Cash Flow
-$2,085/mo
Cash Margin
-56.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.535
LTV Ratio
80.0%18
Vacancy Buffer
1.8 mo27
Risk Index
17.0/ 100

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

Comparables

Properties near 40 Stillwater Crescent

Time

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