82 Province Street S, Hamilton

$730,000
82 Province Street S

$730,000

New
4d
Detached2 1/2 Storey

82 Province Street S, Hamilton

Total Monthly Obligation $3,655

Beds
4
Baths
2
Park
3
Sqft
1100-1500
DOM
4d
Score
17
Yield
4.3%
Cash on Cash
-5.6%
Cap Rate
3.4%
5Y IRR
11.1%
10Y IRR
11.1%
Property Type-Detached
MLS® Number-X14098212
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-30 × 105 ft
Listed on site-Oct 19, 2026
Style-2 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$4,027.31 (2026)
Parking-3 - None
Basement-Separate Entrance
Heating-Forced Air (Gas)
Brokerage-COLDWELL BANKER COMMUNITY PROFESSIONALS
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick
Roof-Shingles
Foundation-Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-Delta
Title-Residential Freehold

No agent assigned

Built in the 1920s, this character-filled home brings together original details, thoughtful renovations and a beautifully landscaped garden. Offering 4 bedrooms, 2 bathrooms and approximately 1,438 sq. ft. on a generous 30 x 105 ft. lot, it balances the warmth of an older home with the comfort and functionality of modern living. Renovated in 2021, the custom kitchen pairs quartz countertops and Café appliances with Spanish terracotta tile and distinctive Cedar & Moss lighting. Natural white oak hardwood flooring runs throughout, while the original inlaid floors in the open living and dining room have been preserved. The vintage-inspired main bathroom complements the home's character, with updated plumbing stacks adding peace of mind. Custom woodwork and a beautifully crafted railing lead to the attic primary suite, where four skylights fill the space with natural light and a bathtub creates a quiet retreat. Outside, the thoughtfully landscaped garden features a striking redbud tree, a native pollinator garden and views of the Escarpment. Parking for three behind a privacy gate and a large outbuilding with plenty of potential round out the property. Close to the shops, cafés and vintage finds along Ottawa Street, as well as the green space and gardens of Gage Park, this is a home that pairs original character and considered updates with a wonderful connection to the neighbourhood.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$584,000
Land Transfer Taxes$11,075
Legal Fees (Est.)
$
Total cash required for closing$158,575

Total Monthly Obligation

$3,655/mo
Mortgage $2,945
Monthly Loss $2,880
Principal$775
Interest$2,170
Property Tax$336
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-10.1%1
5-Year IRR
7.6%21
10-Year IRR
8.8%
Returns Index
11.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$31,056/yr
NOI
$19,423/yr
Net Cash Flow
-$1,326/mo
Cash Margin
-51.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.556
LTV Ratio
80.0%18
Vacancy Buffer
2.6 mo43
Risk Index
22.3/ 100

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

Comparables

Properties near 82 Province Street S

Time

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