658 Upper Wellington Street, Hamilton

$529,988
658 Upper Wellington Street

$529,988

New
15d
DetachedBungalow

658 Upper Wellington Street, Hamilton

Total Monthly Obligation $2,889

Beds
3
Baths
2
Park
3
Sqft
1100-1500
DOM
15d
Score
23
Yield
6.3%
Cash on Cash
2.0%
Cap Rate
5.0%
5Y IRR
17.2%
10Y IRR
15.9%
Property Type-Detached
MLS® Number-X13877516
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-33 × 127 ft
Listed on site-Oct 8, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,515.97 (2026)
Parking-3 - None
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-MICHAEL ST.JEAN REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Aluminum Siding
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-TBD
Neighbourhood-Centremount
Title-Residential Freehold

No agent assigned

After years of Cherished memories at 658 Upper Wellington, this welcoming 3-bedroom, 2(4-piece) bathroom bungalow with a loft on a 127 ' deep Lot is Ready for its next Chapter. With upgraded flooring throughout & lots of LED pot lights everywhere, its bright & airy footprint has a layout that flows effortlessly from room to room designed for comfortable living. The open-concept living area allows seamless entertaining for large groups of friends & family. Featuring a chef inspired kitchen, this renovated kitchen has quartz countertops and backsplash, butler's pantry & stainless-steel appliances with sliding doors to the back deck and yard with easy access to your BBQ and entertainment experience. From seed to table, enjoy the simple pleasure of harvesting herbs and fresh vegetables from your own private backyard oasis and relaxing under the stars. With 2 bedrooms on the main level, & a primary bedroom with a loft upstairs, this bedroom nook is available for a reading room or walk-in closet, there for your own personal touches. The fully finished basement has a laundry room (appliances 3 yrs old), bathroom, large recreation room & room for den, office or gym. The basement has been waterproofed 3 yrs ago and the roof done approx. 5 yrs ago, creating peace of mind for the future. There is excellent potential for an in-law suite, multigenerational living, guest accommodations or additional family space. A Private side drive with parking for three vehicles & a gated entry adds convenience, privacy and practicality. Ideally situated in the sought after Centremount neighbourhood, you'll enjoy easy access to the LINC, 403, and the Red Hill pkwy. Great restaurants, Mohawk College, Limeridge Mall, Juravinski Hospital, St Joe's Healthcare Hamilton, Bruce Park, Sam Lawrence Park, Recreation Centres, Swimming Pools, Scenic Escarpment trail & countless amenities. Comfortable, versatile & exceptionally located, this is more than a house, it's a place to gather, grow & call home.

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

Closing Costs

Mortgage Amount
$423,990
Land Transfer Taxes$7,075
Legal Fees (Est.)
$
Total cash required for closing$114,573

Total Monthly Obligation

$2,889/mo
Mortgage $2,138
Monthly Loss $2,327
Principal$563
Interest$1,575
Property Tax$376
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.0%27
Cash-on-Cash
-3.9%3
5-Year IRR
12.6%55
10-Year IRR
12.7%
Returns Index
28.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$33,600/yr
NOI
$21,224/yr
Net Cash Flow
-$369/mo
Cash Margin
-13.2%0
Cash Flow Index
0.4/ 100
Risk Profile
Weight: 20%
DSCR
0.8316
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
29.9/ 100

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

Comparables

Properties near 658 Upper Wellington Street

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