109 Ray Street, Hamilton, ON

$949,950
MLS#:X13229422
4 beds
4 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Strathcona. Expertly crafted featuring premium stucco (plaster) and stone construction, this residence presents an exceptional opportunity offered at $949,950 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 4 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 29.33 x 66 ft lot
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient built-in configuration
  • Notable attributes: Air Exchanger, Garburator, Carpet Free
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Meticulously cared for !! Entertainers dream in the Strathcona neighborhood just minutes to TD Coliseum, the Go Station and all amenities! . This luxury home comes at no spared expense. Custom built-in closets by Closets By Design have been installed in all bedrooms, laundry room and mudroom. Spacious bedrooms with walk-in closets in not one, but two bedrooms. Engineered hardwood floors throughout the open-concept main level and second level. Also features a chef's kitchen with quartz countertops, large island with double sink and garburator, and high-end stainless appliances including SmartThings convection oven with gas range. Cozy up in the fully finished basement featuring an elegant 5-piece bathroom with double sink. Attached garage with temperature-controlled heated floors, pot lights, built-in cabinets, roll-up garage door and enough ceiling height to install a lift and store two cars. Enjoy peace of mind with the owned Paradox home security system - no contract required. Concrete driveway wraps around the house and into the backyard for maintenance-free relaxing or entertaining. 200-amps on breakers. Walking distance to Victoria and Dundurn Park, Locke Street shops, and Bayfront Waterfront. Enjoy the benefits of a fully finished home with premium upgrades everywhere! This is a must see!!

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Key Features

Bedrooms
4
Bathrooms
4
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date5/31/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionStucco (Plaster), Stone
BasementFull, Finished
Lot Size29.33 × 66 Feet
CountyHamilton
Annual Tax$6,871.01
Legal DescriptionPT LT 1 BLK 5 RANGE 2 PL 1435 (AKA JAMES MILLS SURVEY BTN PEARL ST, FLORENCE ST, RAY ST & YORK BLVD) AS IN CD106963, S/T INTEREST IN CD106963; CITY OF HAMILTON

Parking & Garage

Parking Spaces2.0
Garage Spaces1
Garage TypeBuilt-In

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Lake/Pond, Marina, Park, Public Transit, School, Arts Centre

Interior Features

Air Exchanger, Garburator, Carpet Free

Security Features

Smoke Detector, Security System

Community Features

Location

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109 Ray Street, Hamilton, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 109 Ray Street N, Hamilton, ON L8R 2Y1

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Hamilton.

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Interest Rate5.25%
Down Payment$69,995 (7.4%)
* Minimum Canadian down payment required for this price is $69,995.
Amortization Period25 Years
Estimated Monthly Payment$5,244Based on a loan of $879,955 over 25 years.
Purchase Price$949,950
Loan Amount$879,955
Provincial Land Transfer Tax:$15,474
Total Estimated Closing Taxes:$15,474

About Purchasing a Home in Hamilton, ON

For a property listed at $949,950 in Hamilton, the legal minimum down payment is $69,995 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $15,474 for this transaction. As this listing is in Hamilton (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $15,474.

Nearby Listings

Distance:

No current listings found in Hamilton.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Strathcona, Hamilton.

Verified Local Data
City Population785,184
City Median Age41.6 Yrs
City Ownership69% Owners
Avg Area List Price$595,103

People & Families

Age Distribution

Household Composition

One-person households
27%
Families with children
45%
Couples without children
27%
Other households
1%

Top Ethnic Origins

English21%
Scottish17%
Irish16%
Canadian13%

Local Schools Guide

Elementary Schools

Hess Street
Public107 Hess Street North, Central, Hamilton, Ontario, L8R 2T1
5.4
Dr. J. Edgar Davey
Public99 Ferguson Avenue North, Beasley, Hamilton, Ontario, L8R 1L6
1.9
Bennetto
Public47 Simcoe Street East, North End East, Hamilton, Ontario, L8L 3N2
3.3
Queen Victoria
Public166 Forest Avenue, Corktown, Hamilton, Ontario, L8N 0A5
2.7
St Patrick's
Public20 East Avenue South, Landsdale, Hamilton, Ontario, L8N 3X1
4.1

Secondary Schools

St. Mary’s
Catholic146 Park Street North, Central, Hamilton, Ontario, L8R 2N2
7.2
Georges-P-Vanier
Public100 Macklin Street North, Westdale North, Hamilton, Ontario, L8S 3S1
7.1
Cathedral
Public30 Wentworth Street North, Gibson, Hamilton, Ontario, L8L 8H5
4.6
Westdale
Public700 Main Street West, Westdale South, Hamilton, Ontario, L8S 1A5
6.7

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied69%
Rented31%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.