$728,000 - 146 Ottawa Street, Hamilton
Detached for Sale in Hamilton
Neighbourhood: Delta
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- MLS Number
- X13788718
- Property Type
- Detached
- Status
- active
- Days on Site
- 22
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- Hamilton
- Taxes (2026)
- $4,314
- Listing Brokerage
- EXP REALTY
BEAUTIFULLY UPDATED CHARACTER HOME STEPS FROM GAGE PARKThis BRIGHT 2 1/2 STOREY brick home offers SPACE & FLEXIBILITY in one of Hamilton's MOST SOUGHT AFTER NEIGHBOURHOOD. Highlights of this home include:* welcoming curb appeal with a covered front porch and stone patio* OPEN-CONCEPT KITCHEN featuring stylish two-tone cabinetry, GRANITE BREAKFAST BAR, pot lights, bamboo flooring, overlooking the bright dining room* spacious living room * convenient main-floor laundry (new washer and dryer 2026)* 3 spacious bedrooms include a generous primary plus a beautifully updated 4-piece bath with new vanity and lighting (2026) and new window (2025)* FINISHED THIRD-FLOOR LOFT ADDING VALUABLE FLEXIBLE SPACE for a teen retreat, home office, studio or guest room* FULLY FINISHED BASEMENT SUITE WITH SEPARATE ENTRANCE featuring a modern kitchen (2020), living area and 4-piece bath-ideal for extended or multi-generational family living* FULLY FENCED BACKYARD is designed for relaxing and entertaining, with a spacious deck, soothing fountain, lower deck with gazebo (2022) and storage shed.* EXCEPTIONAL LOCATION just steps from Gage Park and the vibrant Ottawa Street shopping district, with its popular cafes, restaurants and boutiques. Close to schools, parks and public transit, with future LRT stops planned at Ottawa Street and Gage Park. * EXCEPTIONAL WALKABILITY, character and lifestyle come together in this welcoming, FAMILY FRIENDLY NEIGHBOURHOOD.Some additional UPDATES include: Stone patio, steps & landing (2023), front door & railing (2025), Kitchen sink, faucet and dishwasher (2026), primary bedroom window (2021)
Estimate your monthly payments for this property
Estimated Payment
$3,735.02/mo
Includes CMHC insurance ($20,311)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Delta
Delta is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Delta
- •Convenient location in Hamilton
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Delta offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
146 Ottawa Street, Hamilton
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $662/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Market Position
At 22 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
Detached Home Advantages
Detached homes in Hamilton are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
About Delta
I know Delta well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.
Investment Perspective
Looking at this as an investment: Hamilton properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $3,033 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.