154 Humphrey Street, Hamilton

$1,290,000
154 Humphrey Street

$1,290,000

New
15d
Detached2-Storey

154 Humphrey Street, Hamilton

Total Monthly Obligation $6,270

HausQ Valuation Report
Beds
4
Baths
4
Park
2
Sqft
2500-3000
DOM
15d
Score
16
Yield
3.9%
Cash on Cash
-7.4%
Cap Rate
3.0%
5Y IRR
9.7%
10Y IRR
10.0%
Property Type-Detached
MLS® Number-X13875900
Beds-4
Bathrooms-4
Size-2500-3000 sqft
Lot Size-38.06 × 90.22 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Age-6-15
Taxes-$8,297 (2026)
Parking-4 - Attached
Basement-Unfinished, Development Potential
Heating-Forced Air (Gas)
Brokerage-HOMELIFE/CHAMPIONS REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-North
Exterior-Brick
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-Minimum 60 Days
Neighbourhood-Waterdown
Title-Residential Freehold

No agent assigned

A bright, spacious and spotless home offering approx. 2740 sqft of beautifully upgraded living. The backyard has been recently fully upgraded with a premium concrete floor (an impressive $20K investment) creating a modern, grass free, low maintenance outdoor space ideal for entertaining or relaxing. Inside, the home features 4 generous bedrooms, 3 full washrooms on the second level, and a powder room on the main floor. Enjoy hardwood floors throughout, stylish accent walls across the home, and elegant circular stairs connecting the basement to the second level. The upgraded kitchen showcases quartz counters, a designer backsplash, and undermount lighting, complemented by a cozy gas fireplace in the family room. An impressive double door entry with existing wrought iron doors and upgraded dining chandelier complete this exceptional property.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$1,032,000
Land Transfer Taxes$22,275
Legal Fees (Est.)
$
Total cash required for closing$281,775

Total Monthly Obligation

$6,270/mo
Mortgage $5,204
Monthly Loss $4,901
Principal$1,369
Interest$3,834
Property Tax$691
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.0%1
5-Year IRR
7.0%18
10-Year IRR
8.2%
Returns Index
10.4/ 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
$49,800/yr
NOI
$32,023/yr
Net Cash Flow
-$2,535/mo
Cash Margin
-61.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
1.5 mo24
Risk Index
15.7/ 100

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

Comparables

Properties near 154 Humphrey Street

Time

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