98 Smith Road, Hamilton, ON

$1,149,900
MLS#:X13478432
3 beds
3 baths
2000-2500 sqft
12.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungaloft detached located in the coveted neighborhood of Rural Stoney Creek. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $1,149,900 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.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 100.95 x 439.63 ft lot
  • Features a full, unfinished, separate entrance basement, adding superb versatility for recreation, a home gym, or extra storage
  • 12.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Other, Central Vacuum
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

Welcome to this custom built home on just over an acre on the prestigious Stoney Creek Escarpment. This lovingly maintained bungaloft offers just under 2,400 sqft of finished living space where privacy, space, and natural beauty meet in a truly rare offering. No rear neighbours and a serene backdrop bordering Grimsby make this a property that is hard to replicate. Inside, the living room is anchored by a stunning wood-burning fireplace, the kind of centrepiece that makes a room feel like home the moment you walk in. The layout is thoughtfully designed, with the primary suite complete with walk-in closet and ensuite separated from the secondary bedrooms by the main living space, and a bonus room that flexes easily as a home office, playroom, or guest retreat. The full basement, nearly 2,000 sqft with a separate entrance and roughed-in washroom, is a blank canvas brimming with potential, whether you envision an in-law suite, a recreation space, or simply room to grow into. Outside, you'll find a 2-car garage and a shed with 60 amp service for any projects you may have in mind, while the pergola off the living room deck invites you to enjoy the outdoors and entertain with ease. True escarpment living just 10 minutes from the QEW and downtown Grimsby, with shopping, schools, parks, and trails all nearby. Original finishes throughout allow you to enjoy the home's warm traditional style or put your own stamp on an exceptional property.

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Key Features

Bedrooms
3
Bathrooms
3
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateJuly 3, 2026
Sold price information is available to members only
Listed Date6/23/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungaloft
ConstructionBrick, Vinyl Siding
BasementFull, Unfinished, Separate Entrance
Lot Size100.95 × 439.63 Feet
CountyHamilton
Annual Tax$7,085.39
Legal DescriptionPT LT 1, CON 5 SALTFLEET DESIGNATED AS PART 1 ON 62R14185; STONEY CREEK CITY OF HAMILTON

Parking & Garage

Parking Spaces12.0
Garage Spaces10
Garage TypeAttached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Auto Garage Door Remote, Other, Central Vacuum, In-Law Capability, Rough-In Bath, Sump Pump, Water Heater Owned

Security Features

Community Features

Location

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98 Smith Road, 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 98 Smith Road, Hamilton, ON L8J 2Z3

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.

Market Trend
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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$229,980 (20.0%)
* Minimum Canadian down payment required for this price is $229,980.
Amortization Period25 Years
Estimated Monthly Payment$5,482Based on a loan of $919,920 over 25 years.
Purchase Price$1,149,900
Loan Amount$919,920
Provincial Land Transfer Tax:$19,473
Total Estimated Closing Taxes:$19,473

About Purchasing a Home in Hamilton, ON

For a property listed at $1,149,900 in Hamilton, the legal minimum down payment is $229,980 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 $19,473 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 $19,473.

Nearby Listings

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City & Neighborhood Guide

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

Verified Local Data
City Population785,184
City Median Age41.6 Yrs
City Ownership69% Owners
Avg Area List Price$1,813,413

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

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Secondary Schools

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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.