Resale Home & Condo Hamilton - 16 Mar., 2013

Hamilton-Halton-Haldimand-Brantford Edition

Mar. 16 - Mar. 30, 2013 Volume 13 Issue 05

Your Best Source for Homes & Condos

START YOUR PERMANENT VACATION AT LAKE ERIE! $699,900 Magnificent serene & private yet conveniently located describes this sprawling executive ranch style lakefront home.

Imagine yourself enjoying this tranquil 1.24 ac beautifully landscaped, Lake Erie water front property with captivating vistas & 150 feet of water frontage. This premium brick home has been well maintained, beautifully decorated & is warm & welcoming. Outstanding quality custom features abound. Central living room has vaulted ceilings, gas fp & plenty of room for family and friends. The 2012 kitchen upgrades include granite counters and is perfect for entertaining. French doors lead to a lake side sunroom, the rear deck & gazebo. This unsurpassed setting must be experienced to be fully appreciated. Isaac Phillips, Sales Representative, Royal LePage State Realty, Brokerage 905-774-7631 or 905-774-8144.

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LOCATION! LOCATION! DUNDAS $389,900! - Walk to shops, schools, arena. one owner family home, requires updating. Hrdwd flr in living/dining rms, 3 bedrms, newer hi-eff furnace, shingles, breaker panel. Lower lvl family rm w/ reclaimed brick wall/ fireplace, large den/bdrm & huge workshop. 5 Woodward Ave. Val Dalgetty Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage 905-522-1110 0713_KIMRI_0050

3 CAR GARAGE BUNGALOW - $278,900 - Hagersville, 60' WIDE LOT, 2 full bathrooms. Close to hospital, schools and park. Open Sat & Sun 12-4pm. Other furnished models. www.plouffehomes.ca Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-632-5940.

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CALEDONIA BEAUTY $339,900 - 4 level backsplit family home, 3+1 bedrms, m bedrm offers ensuite & w/in closet Cathedral ceilings on main level, family rm w/ gas F/P, kids game rm 20'x20', large oak eat-in kitchen, above ground pool, C/Air, C/Vac Just move in & enjoy. Marilyn O' Blenis, Sales Representative, RE/MAX ESCARPMENT Realty, Brokerage 905-573-1188. Call to view! www.MarilynOblenis.com 1113_KIMRI_0047

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Affordable 2 bdrm country bungalow 1.55 acre “park-like� treed lot close to town. O/concept layout w/2 gas f/places, 100 amp brkers, barrier free 3 pc bthrm w/accessible roll-in shower & heated ceramic tile floor, mn flr lndry, huge det gar/shop w/cone floor & hydro, eat-in oak kitchen, updated windows, patio door and shingles. Beautiful setting with loads of parking. Great starter or for empty nesters. Call Darren Papineau to view. MLS H3103400.

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EMPIRE COUNTRY ESTATES, YORK, LOTS STARTING AT $109,900 Prestigious development 30 min south of Hamilton near Binbrook includes 39 country sized lots, all over 1 acre. bring your own custom floor plan or work with ours to build your Dream Home! Subject to Architectural design, landscaping & size standards. Call Darren Paineau for more details or visit www.EmpireCountryEstates.com MLS H3065048

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Stunning 3 bedroom open concept “Viceroy� home w/cedar exterior. Features vaulted ceilings, loads of windows, skylight, rear Muskoka room addition (07), finished basement w/cozy wood stove fireplace and bar area. Beautifully decorated & immaculately kept with updated bathrooms and recent hardwood flooring. Situated on a private 3/4 ac treed lot with large shed and boat storage. Near Highway 54 about 30 min to Hamilton. Worth the drive! Call Darren Papineau to view. MLS H3103100 1113_KIMRI_2_0058 1113_KIMRI_1_0038

700 FORKS RD WEST, WELLAND $399,900

Turn key greenhouse operation on 6.9 acres of great gardening soil located in Welland with about 570 ft frontage on a well travelled road - great for sales of plants. 10,000 sqft of greenhouses gutter connect with natural gas forced air heat and roof venting, 400 amp hydor, glass front entry with east, north and south rollup sides, set up for a retail environment with 2000 drip lines for hanging baskets, fully benched plus heated 1200 sqft cold frame structure, large retention pond, approx 20,000 sqft of outside water fed crop area, ample parking, outdoor fenced compound for nursery stock and a covered area. Zoning allows for single family residence and/or expansion of Greenhouses. Great clean operation. Call Darren to view. MLS H3100791 1113_KIMRI_1_0005 1113_KIMRI_1_0006 1113_KIMRI_2_0007

1231 LAKESHORE RD, SELKIRK $157,500

Spacious, low maintenance 2 bedroom cottage w/ gorgeous unobstructed view across Lake Erie. O/concept living room, dining rm & kitchen, lovely sunroom. Improvements include pine accents, updated bathroom, covered rear deck, shingles 2010, windows 2005, pressure pump & tank, natural gas heating/air conditioning unit (HVAC), insulated walls & attic. Boat launch near by. MLS #H3071946.

Call Darren’s SELL phone 905-978-SOLD (7653) for a FREE Home Evaluation!

www.HaldimandHomes.ca for virtual tours & custom home plans online!

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Stylish 1.5 stry 3 bdrm country home plus det 1.5 car gar w/ conc flr & hydro. Thousands of dollars recently spent incl new kitch w/granite cntrs, updated bthrms, h.eff furn, 100 amp brkrs, 3000 gal cistern, repl wndws, drs + trim, vinyl + laminate flrs, freshly painted int decor. Eat-in kitch, o/c liv/din, mnfl pwdr rm, partly fin bsmt w/recrm, wd stv f/p, c/vac, stl roof & encl back deck. Call Darren Papineau to view. MLS H3102097

195 TOWNLINE ROAD E, CAYUGA $319,900

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Loaded w/yesteryear’s charm! Dble brick century home lovingly restored w/3 bedrms & 2 bthrms on a huge 66’x165’ lot offers 22’x24’ garage/workshop w/hydro & nat gas roughin - great for the hobbyist plus 2 lrg wrap arnd decks, interlock patio w/gazebo, privacy fenced yard w/perennial Victorian garden. Everything old is new again. Simply gorgeous inisde and out! Call Darren Papineau to view. MLS H3103351

4426 HIGHWAY 3, CAYUGA. $154,900 Perfect country starter 1.5 stry 3 bedrm on approx 3/4 ac lot west of Cayuga, approx 30 mins south of Hamilton. Ftrs mnfl master bedrm plus 2 upper level bedrms, large eat-in kitchen w/ newer cabinets and walkout to huge deck, spacious living, updated 4 pc bathrm (12), mudrm with mnflr lndry, garden shed and loads of parking. Updates include furnace, c/air, mostly new windows, facia, soffit and eaves. Ideal for 1st time buyer. Call Darren Papineau. MLS #H3096555.

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25 TALBOT ST. WEST, JARVIS $259,900

27 ERIE ST. S., FISHERVILLE $224,900 Immaculate 4 bedrm brick bungalow, large country lot, stylish decor, fin bsmt w/bar and games rm plus famrm w/gas stove f/p, lndry/workshop, o/concept kit/din/livrm w/loads of oak cabs & granite cntrs, premium lam floors, updated bathrm fixtures, large bedrms, updated wndws, awesome rear deck w/det garage/ workshop & loads of privacy. Shows well! MLS H3089729.

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Immaculate 3 bdrm, 2.5 stry brick home, over 1/2 AC w/ 36’ x 34’ shop/gar.

Completely reno’d w/ 2 bths, oak kitch, o/con din/liv, huge finished loft + m/ bdrm that can be converted back to 2 bdrms. Extras incl conc patio off dinrm, rear mudrm, cov’d frnt veranda, repl wndws, h/eff furn (11), pool liner (10), a/ grnd pool, 100 amp hydro, pvd drive & brick shed. Great family home w/ over 2000sf + finished bsmnt! Call Darren Papineau. MLS H3102097.

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ISAAC PHILLIPS

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Sales Representative

www.isaacphillips.com TOP 1% IN CANADA FOR ROYAL LEPAGE 18 YEARS

Independently Owned and Operated

Call for your FREE Market Evaluation

List with us and your property is shown on 20 plus websites

P NE R W IC E

905-774-7631 905-774-8144

LI N S EW T IN G

Check out our website for the latest on our 45+ listings

STATE REALTY BROKERAGE

1.63 ACRES ON LAKE ERIE! $529,900 Stunning home, 354 feet frontage, 2002 custom bungalow, 9’ ceilings, in-floor heating, gas fireplace, large kitchen w/tons of cupboards, open concept plan, great room with walls of glass give panoramic views lake & beautiful sunsets - South Cayuga. Call Isaac Phillips 1113_KIMRI_5005

GREAT STARTER! $119,000 Cute & cozy home, recent upgrades include decor, ceramic tile, laminate, 2 bedrooms, eat in kitchen, main floor laundry, lots of windows, private back yard. detached garage, Dunnville. Call Isaac Phillips 1113_KIMRI_5006

RANCH OVERLOOKING LAKE ERIE! $369,900 “Cowan” built open concept, vaulted ceilings, plank flooring, custom kitchen, steel roof, long veranda overlooking the lake, part ownership of private waterfront park & beach, Dunnville. Call Isaac Phillips 1113_KIMRI_5007

HOBBY FARM! $279,900 Horse lovers delight, 3.93 acres, renovated home, large eat in country kitchen with breakfast bar tons of windows, refinished plank floors, 2 baths, 3 bedrooms, covered front veranda, outbuildings, paddocks, surrounded by open fields - South Cayuga. Call Isaac Phillips 1113_KIMRI_5008

SMITHVILLE! $334,900 “Winspear Juniper” built in 2006, open concept plan, 1582 sq. ft. with full walkout lower level & huge family room. Hardwood & ceramic tile floors on main level, walk-in master bedroom closet. Cherry finish on oak cabinets, big bright family room has backyard access to sprawling patio plus wood deck. Call Isaac Phillips 1113_KIMRI_5009

ADULT LIFESTYLE CONDO! $179,999 End unit on upper floor, upgraded oak kitchen, 1.5 baths, open concept living room-kitchen-dining area, large balcony facing south overlooks courtyard, unit includes covered parking space, Dunnville. Call Isaac Phillips 1113_KIMRI_6000

LAKE ERIE! $189,900 Sandy beach and amazing views of Mohawk Island Lighthouse, vaulted beamed ceilings, stone/propane FP, vinyl repl windows, 2012 roof shingles, armour rock breakwall, LR walkout to lakeside deck, 2008 shed with concrete floor & hydro, Dunnville. Call Isaac Phillips 1113_KIMRI_6001

CLOSE TO THE LAKE! $145,000 Two bedroom one floor home offers full basement, 2 car block garage, oak floors, slider walk out from oak kitchen and large private backyard along quiet street, Dunnville! Call Isaac Phillips 1113_KIMRI_6002

LAKEFRONT! $295,000 On Lake Erie at end of quiet street offers 90 feet frontage, winterized 3+1 bedrooms, hardwood floors, large living room with loft overlook, recent boat ramp, 2006 concrete breakwall, and many other updates! Dunnville! Call Isaac Phillips 1113_KIMRI_6003

LARGE MATURE LOT! $235,000 Same caring owner since 1968, great neighbourhood, unique layout includes main floor bedroom and bathroom, upgrades include replacement vinyl windows, recent med efficient furnace, white kitchen cabinets, upgraded main bathroom, Dunnville. Call Isaac Phillips 1113_KIMRI_6004

MATURE CORNER LOT! $199,900 Dunnville, preferred neighbourhood, screened side porch side deck, vinyl repl windows, oak floor & oak cabinetry in kitchen, 3 bedrooms, appliances, single garage. Call Isaac Phillips 1113_KIMRI_6005

CHARACTER & CHARM! $156,500 Large home on large mature lot, main floor family room, spacious & bright eat in kitchen, patio doors to rear yard, main floor laundry, 2007 furnace, 2009 veranda and much more, Dunnville. Call Isaac Phillips 1113_KIMRI_6006

3G

Delay * Withdrawal Tranquilli-T assumes interest on unexpected bridge financing.

Tranquilli-T covers additional expenses such as hotels, storage, moving expenses, pet boarding, property upkeep and maintenance, heating, electricity, legal fees, taxes, insurance.

In the event of delay or withdrawal, on a subject free contract of purchase or sale, for additional expenses over and above $300.00 deductible, for a period of 180 days or up to the policy limit of $25,000 (this limit may vary depending on the value of the property) *Effective from the moment the transaction becomes subject free up to the date of completion.

Death of the Buyer or Buyers Spouse Tranquilli-T will pay the seller the agreed sale price.

Tranquilli-T will pay the real estate fees, and addittional expenses related to the resale of the property. *Effective from the moment the transaction becomes subject free up to the date of completion.

Legal Assistance * Legal Fees Tranquilli-T covers legal fees (not repairs) up to $5,000 per event for a maximum aggregate of $10,000 if the buyer or seller withdraws with no valid reason, false declaration by the seller, presence of a latent defect, any litigation with neighbours, tenants or service providers resulting from the real estate transaction, subsequent ownership and occupancy of the residence.

Tranquilli-T provides free unlimited telephone consultation with a Tranquilli-T lawyer.

RE/MAX clients can choose their own lawyer or Tranquilli-T can refer one with pre-approval of legal fees.

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11273077_1113

MAURIS CECCA Sales Representative

BUS: 905-388-1110 WATERFRONT CONDO!!!

WEST MTN SCENIC DRIVE AREA!!

DUNDAS CONDO: NEW LISTING!!

!!!

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Sought-after “shore liner” complex.

2 bedrm + den spacious floorplan.

Features pool, sauna, hot tub, exercise rm, squash ct, well equipped workshop, party rm and more.

Walk to parks and trails. Renovated beauty. New shingles, windows, sofit, fascia & eaves. 2 new baths, new kitchen with glass and marble backsplash, travertine flrs, hardwood through out livingrm and 3 bedrms. Lower level boasts rec/rm with pot lights plus den.

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4G

In the heart of Dundas, open concept 2 bedrm, 2 bath, corner unit with lots of windows. Huge living rm/dining rm area, new carpets throughout, oak kitchen with ceramic backsplash, recent furnace and c/air, large laundry/storage rm.

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Volume 13 Issue 05

1

Resale Home & Condo Guide - Hamilton & Halton Edition

2010-2012

2011-2012

THE O’REILLY TEAM PAM O’REILLY DAVE O’REILLY LUKE O’REILLY

987 Rymal Road East Hamilton, Ontario L8W 3M2

Sales Representatives

905.574.4600

9249706_1113

www.theoreillyteam.com DREAM HOME IN ANCASTER

Broker

GORGEOUS BUNGALOFT IN GLANBROOK

STUNNING BUNGALOW JUST STEPS TO DUNDURN CASTLE

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This gorgeous 2+2 bedroom, 3 bathroom bungalow has over 3400 square feet of finished living space and sits on a mature 80x225 foot lot. Upgrades include a gourmet kitchen with granite countertops, wire brushed hardwood flooring, marble tiling, wainscotting, oversized baseboards, crown mouldings, vaulted/coffered cielings, 100+ pot lights, 2 fireplaces with stone mantles, glass showers, a security system, expansive windows, skylights, and updated roof shingles/furnace/central air/plumbing/ electrical. The lower level features 2 spacious bedrooms, a gorgeous 3 piece bath with a vessel sink, 2 separate recreation rooms and laundry facilities. This home offers a solid brick and stone exterior finish, 2 separate front entrances, sliding door at rear, a newly paved front drive, and professional landscaping with flagstone. The attention to detail found in this $ home is outstanding!

This beautiful 3+1 bedroom, 3.5 bath bungaloft is situated in a quaint neighbourhood just minutes to the Meadowlands in Ancaster and shopping on Upper James. This home is just under 2000 square feet (plus a fully finished basement). Step through the front doors to an open foyer with dramatic vaulted ceilings, hardwood flooring throughout the main level, a formal dining room, main floor master bedroom with his/her closets and a 4 piece ensuite bath (Jacuzzi tub), spacious main floor family room with a gas fireplace, eat-in kitchen with breakfast bar, stainless steel kitchen appliances (all included), and sliding doors to an updated rear deck and no immediate rear neighbours - privacy plus! The upper level offers 2 spacious bedrooms, a 4 piece bath, and a loft area overlooking both the front foyer and main floor family room. The lower level is fully finished and offers an additional bedroom with a walk-in closet and a 3-pc ensuite bath, a huge rec. rm, gas fireplace, pot lighting throughout, a roughedin kitchen (in-law potential), and an $ office/den.

This immaculate 2+1 bedroom, 2 bathroom bungalow could quite possibly be one of the most unique homes in Hamilton. Built in 1900, this 1593 square foot home (plus partially finished basement) combines old world charm with a modern flare. Step through the front door to an open concept floor plan with vaulted ceilings, skylights, and exposed wooden beamed ceilings throughout. Other features to mention include hardwood flooring, a wood burning fireplace with slate hearth and wood mantle (made from original beams), an eye-catching German modular kitchen with a breakfast bar, a formal dining room, master bedroom with ensuite bath and French doors to lush rear garden, stucco exterior, and professional landscaping.

Updates include roof shingles, furnace, central air conditioning, and electrical. This home is situated on a quiet tree-lined street half a block to Dundurn Park and Dundurn Castle, a short walk to the waterfront trail, and offers $ easy access to major highways.

ESCAPE TO LAKE ERIE

BURLINGTON TOWNHOUSE CONDO

PRESTIGIOUS LOVERS LANE AREA OF ANCASTER

849,900

429,900

449,900

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Escape the city to your very own private retreat at Lake Erie. Welcome to 3 Turner Drive, a sharp 3 bedroom, fully winterized bungalow in prestine condition. This home has alot of warmth and charm and must be seen to fully appreciate it. This home has been updated over the years; including windows (vinyl clad), maple kitchen, cabinetry/counter tops, 4 piece bath, flooring, front/rear decks, rear fence, rear shed, furnace, water heater, propane fireplace, paved driveway, electrial panel and more. Taxes in 2012 were only $1472.74. Just a short walk to a private beach.

Great 3 bedroom unit in Barrington Square in sought after Palmer area. Close to schools, shopping, major highways and all other amenities. Nice floor plan with patio doors from dining room to private backyard. Lower level rec room. Includes fridge, stove, dishwasher, washer & dryer.

You will be amazed at this beautifully renovated and updated 4200+ square foot home on mature, treed 75’x158’ lot with inground pool. This stunning home is perfect for your large family. 4 spacious bedrooms, all with walk-in closets. Master with luxurious 5 piece ensuite bath, 2 other bedrooms share an ensuite and one more bathroom for the 4th bedroom. The main floor will WOW you! Eat-in kitchen with solid maple cabinetry, island, granite counters, built-in appliances and abundance of pot lights is open to huge sunken family room - the perfect place to entertain. The lower level is complete with kitchen, family room, 2 bedrooms and 2 bathrooms - a complete in-law set up. Loaded with upgrades throughout. Not to be missed. $

179,900

$

SOLD

234,900

$

Please say you saw it in Resale Home & Condo Guide

769,900

2

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

Hamilton/Halton/ Haldimand/ Brantford

#500-401 The West Mall Etobicoke, ON M9C 5J5 T. 416.784.5060 TOLL-FREE 1.877.269.8257 F. 416.789.9705 VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

EDITOR-IN-CHIEF, NATIONAL REAL ESTATE

Susan Legge EDITOR

Janine Druery, Lydia McNutt (on leave)

Coverage area:

CONTRIBUTING EDITORS

Hamilton Burlington Brantford Dunnville Jarvis Ancaster Puslinch Oakville

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Waterdown Milton Caledonia Port Dover Flamborough & surrounding areas

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Guide are not responsible for typographical errors, mistakes or misprints.

BURLINGTON BRANTFORD

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GRIMSBY

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NEXT ADVERTISING DEADLINE

Wednesday March 20th, 2013 ISSUE DATE: March

30th, 2013 – 2-WEEK ISSUE

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phone: 905.383.8118 | toll-free 1.800.268.0077 cell: 905.730.5658 | fax: 905.383.4667 kim.richards@wall2wallmedia.com

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Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. homeTRADER and The homeTRADER & Design are trademarks of Apax Partners LLP, used under license.

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Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

Volume 13 Issue 05

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Resale Home & Condo Guide - Hamilton & Halton Edition

M A R CH 16 - M A R CH 30, 2013

14

22

27 INSIDE THIS ISSUE

04.

EDITOR’S NOTE

14.

THE MORTGAGE MINUTE

27.

The true cost of bad mortgage advice

STYLE FILE

Practical tips and style suggestions for a good night’s sleep

by Yanic Simard

by Peter Kinch 29.

18.

18

MAKE YOUR MOVE

Simple ways to avoid costly packing mistakes

by Dan Hopkins

22.

FINANCES

Working from home: tax tips for the self-employed

by Jen Killins

Please say you saw it in Resale Home & Condo Guide

HOMEBUYERS’ HELP

You love the home, see what you can afford!

4

editor’snote

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 05

]

Set your sights on a

NEW HOME THIS SPRING

ave you set your sights on a new home this spring? This publication is a great place to get all the advice you need to ensure a purchase without pitfalls.

Home-hunting takes patience, persistence, and a little luck. So where do you start?

Physically explore the areas you’re interested in before you start to actually shop. You will find out things no map can tell you. Are there schools, restaurants, shopping?

Good bike trails? Do you feel comfortable walking around? Pick up a local paper and read the community news. You can learn a lot from the Internet, but nothing beats a personal visit.

When it’s time to shop, a wealth of information is available right here in Resale Home & Condo Guide, and visit us online at homeTRADER.ca.

There are so many housing options to choose from today, finding the perfect home won’t leave you feeling like you had to compromise on style or function.

We hope you enjoy this issue. Drop us a line and let us know what you think.

Happy home hunting!

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

^

The good news:

IT’S ALMOST SPRING

t’s hard to believe, considering some of the harsh weather we’ve had of late, but spring is almost here. And along with the crocuses budding and the beginning of baseball season, a sure sign of spring’s arrival is the inevitability of tax time.

In this issue of Resale Home & Condo Guide, you’ll get some good financial tips to make tax time a little less taxing. Let’s face it, most of us don’t enjoy filing our taxes.

But think of it this way: once your taxes are out of the way, you can enjoy the pleasures of spring. Let’s hear it for flowers, patios and sandals (okay maybe not just yet).

But with the nicer weather, it’s a good time to get out there and start visiting all of the terrific homes for sale around the city. The “For Sale” signs are starting to pop up like tulips at this time of year.

So replace your Sorels and parkas with more seasonal gear and make plans to call on some of the stunning homes on offer. All of the beautiful architecture, great landscaping and dreamy colours will surely help you shed the winter “blahs” and get you into the spirit of the spring season.

But please don’t forget to do your taxes.

Janine Druery EDITOR Janine.Druery@wall2wallmedia.com

Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

5

Resale Home & Condo Guide - Hamilton & Halton Edition

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6

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

Liz Koster Real Estate Broker Niagara Real Estate Centre Inc., Brokerage

905.774.7511

Toll Free: 1.888.205.7010

Independently Owned & Operated 9189908_1113

lizkoster@royallepage.ca | www.lizkoster.com

HANDYMAN SPECIAL!

Helping People on the Move!

PRIVACY PLUS! $159,900

$129,900

1 1/2 storey, 3+1 bedrm home in quiet Dunnville neighbourhood! Lots of storage, replacement windows on 2nd floor, some hardwood floors! Deep lot with large backyard & single garage!

2-bedroom one-floor home by Rock Point Provincial Park (South of Dunnville) in move-in condition! Many updates!

Detached workshop! View of Lake Erie!

1113_KIMRI_2_0049

WATEFRONT COTTAGE!

1113_KIMRI_3_0049

GREAT STARTER!

$110,000

$144,900

D L O S Move right in and start enjoying! 3 bedrm open concept cottage on Lake Erie in Selkirk! Wood character thru out!

Raised deck with gazebo overlooks the lake! Stairs to beach with public beach nearby! All appliances, furnishings, patio/ deck furnitue, dishes etc included! 40 minutes from Hamilton.

Lot shared with neighbour to the west. Survey available and possible severance. Priced to sell!!

1113_KIMRI_1_0021

Immaculate 2-bedrm home in Dunnville with spacious rooms and lots of storage! Eat-in kitchen with patio door to fenced backyard. Many recent updates incl furnace, roof, most windows, front porch & more! Detached garage with attached shed plus paved driveway! Shows well!

1113_KIMRI_1_0020

Call Liz Koster for a FREE Market Evaluation! Thinking about BUYING or SELLING I am here to help!

Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

7

Resale Home & Condo Guide - Hamilton & Halton Edition

THINK SOLD... THINK MARGARET & WALDI NIBURSKI WE MAKE DREAMS AFFORDABLE

NIBURSKI

B.SC. SALES REPRESENTATIVE

NIBURSKI

M.SC. SALES REPRESENTATIVE

9489143_1113

MARGARET (MALGORZATA) WALDI (WALDEMAR)

YOUR LISTING ADVERTISED ON

40+ WEBSITES Sutton Group Innovative Realty Inc., Brokerage

905- 575-7070

Visit

www.hamiltonhomes-for-sale.com for Hamilton & Area Estate Market Reports

*Independently Owned & Operated

EAST HAMILTON

mniburski@sutton.com wniburski@sutton.com

EAST MOUNTAIN

D L SO $139,900 t Attention First Time Buyers t 3+1 bedrooms, 1.5 baths t End unit, condo townhome t Very spacious rooms t Small complex in a great location t Close to all amenities t 2708 Barton St. E. Unit 1

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$259,900 t Full Brick! t Single detached raised elevated ranch!! t Two car garage t 3+1 bedrooms, 2 bathrms t Rec room on main floor and sunroom t Hardwood floors plus many recent updates t 15 Regency St.

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EAST HAMILTON OUTSTANDING CONDO APARTMENT!!!

GRIMSBY

$114,900

$329,900

t Attention Seniors! Great building close to all amenities! t Spacious one bedroom with plenty of renos! t Oversized balcony with great view! t Ready to move-in!!!

t Beautiful lot!! 84 x 590.75 ft t 3 bedroom bungalow t A real gem!!

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Ever wonder how the Hamilton Real Estate Market is doing?

Visit our web site www.hamiltonhomes-for-sale.com for the answer and Margaretâ&#x20AC;&#x2122;s newest and up-to-date real estate market activity reports for Hamilton, Ancaster, Stoney Creek and all the sourrounding areas!!!

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8

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition 9255435_1113

905-388-5133 FAX: 905-388-7583

For All Your Real Estate Needs

Residential Commercial Investment 1286 Upper James St., Hamilton, L9C 3B4

East Mountain Location!

Popular East Mountain 3 bedroom, 1 floor brick home. Located across from Huntington Park and school.

Recently finished lower level with large recreation room, den and 2 piece bath.

Updated windows and front porch. New furnace in 2009.

Priced at $259,900.

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Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133.

Life in the Lofts!

This 1 + 1 bedroom with a view, is steps away from everything.

Open concept kitchen with granite countertop and island, polished concrete floors, underground parking.

1113_KIMRI_0006 Call DEBRA AGRO, Sales Representative or GRACE BARROW, Sales Representative, 905.388.5133.

Great Starter Home!

All appliances included! Clean 2 bedroom with updated kitchen, shingles, furnace, windows, doors and bathroom. 18” tiles in hallway and kitchen.

Immediate possesion available. New price! $119,900.

1113_KIMRI_0008 Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133.

View of Lake Ontario

Well constructed 4 bedroom home in great family location. This 2 storey offers living room, dining room, eat-in kitchen, family room with fireplace & 19’ x 19’ addition with skylights & vaulted ceilings. Double garage & gorgeous 84’ x 149’ lot. Asking $499,900.

1113_KIMRI_0007 Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133.

All Brick Home!

One owner elevated ranch style home with plaster walls and hardwood floors. Side door entrance could be lower level apartment.

Large family room with wall to wall stone fireplace. Roof shingles 1113_KIMRI_0009 2009. Nice size garage 24x11. Priced at $199,900.

Please call KEN GIES, Broker or DAN GIES, Broker of Record, 905.388.5133.

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Volume 13 Issue 05

9

Resale Home & Condo Guide - Hamilton & Halton Edition

9189912_1113

FRANK RADMAN

Sales Representative

ESCARPMENT REALTY INC. Brokerage

(905)

Independently Owned & Operated

SERVICE THAT MOVES YOU

545-1188 Email: frankradman@rmxemail.com

“CALL FRANK TODAY - THE FIRST STEP IN MAKING THE RIGHT HOUSE YOUR HOME!”

FEATURE PROPERTY OF THE MONTH

S OM RO ED 6B

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UNIQUE 6 LEVEL ARCHITECTURAL MARVEL

120 ACRE MULTI PURPOSE FARM

A piece of paradise! This Century style 2 storey character filled home offers 4 bedrms, 1.5 bathrms, impressive great room all season sunroom, cozy family rm w/gas FP country oak kitchen, sep dining rm, office & main flr laundry. Several outbldgs & barn in perfect cond. incl. 4 stall horse barn. Call today for more details on the exterior buildings, property & updates.

1113_KIMRI_1_0063

6B

Start your day with coffee in your nice and bright sunroom and walk to work to nearby Concession Street.

End your day with a cool cocktail on your big covered deck in your large private backyard, Offset your living expenses by sharing your home with a family member or co-worker by offering them the separate in-law suite on the lower level (separate entrance).

Upgrades include: renovations done throughout including newly installed in-law suite, new ceramics, kitchens, bathrooms, basement, mostly thermopane windows, refinished hardwood floors, laundry room, 100 amp, potlights, new sod, 4 car parking, separate entrances, new fridge and stove. Not a drive-by, must be seen inside! To view or put in your offer call 1113_KIMRI_0010 Frank Radman.

CA

VIR HE TUA AT LL SO Y F UR RE CE E

ATTENTION JURAVINSKI HOSPITAL EMPLOYEES!

AT

HR

M

BACKS ONTO TYNDAGA GOLF COURSE W/ SCENIC VIEWS

S

Executive estate home w/potential in-law suite located on court lot in sought-after neighbourhood. Stunning scenic views, highend interior updates, multiple walkouts from bsmnt. Extensive decking in backyard. Call today to view!

1113_KIMRI_1_0054

Enjoy the beauty of the Grand River from all levels of this home.

Pristine gardens to water’s edge - a haven for birds & wildlife.

A 4300 sq ft custom built home w/full in-law or nanny suite. The grand home offers formal dining rm, eat-in kitchen, elegant living rm w/FP, recent updates, glass panelled balcony, XL double garage & much more. A must see!

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DE GA TAC RA HE GE D

ES VI CA EW RP O M F EN T

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W HO ALK VER SP TO Y IT J SH AL UR OR EN AV T TR IN AN SK CE I

W IN-L IT A EN H S W S TR EP UI AN AR TE CE ATE

COZY & CUTE IN DUNDAS Pride of ownership is evident in this 3+1 bedrm, 2 bathrm home.

Many pristine reno’s completed within 5 yrs! High end kitchen, 2 bathrms, hrdwd, laminate & ceramics thru-out. Lrg m bedrm offers ensuite, large rec room in bsmnt. Exterior boasts detached garage, extensive decking and great view. Call today to view!! 1113_KIMRI_1_0062

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Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 05

Ontario’s First Super Closing Centre 3FBM &TUBUF t 8JMMT t &TUBUFT t $PSQPSBUJPOT )PNF 8BSSBOUZ )PNF $MPTJOH 1SPUFDUJPO

D L SO

Real Estate Transactions Residential & Commercial

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FINLEGAL GROUP Where Finance and Law Meet

Serving the Areas of Hamilton - Burlington, Halton, Greater Toronto Area, Niagara & Golden Triangle

289.755.0322 k.crea@finlegalgroup.com

www.finlegalgroup.com

11272990_1113

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Volume 13 Issue 05

11

Resale Home & Condo Guide - Hamilton & Halton Edition

www.thesharmateam.ca info@ricksharma.com

905.662.6039 or 1.877.574.7441 Monica Bechamp Business Associate

Rick Sharma Broker Lynn Vienneau Business Associate

Reisha Dass Team Mnger/Sales Rep.

*For Royal LePage

GRIMSBY

Amazing home nestled in landscaped grounds & private woodland setting. Looks like new w/finished basement. Huge therapeutic spa hot tub w/40 jets. Neutral decor, recent updates (2011): roof, vinyl siding, eaves-troughs, broadloom, kitchen & both baths. Walking distance to Lake. Minutes to malls, buses & easy access to QEW. $374,900. H3103765.

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HAMILTON CENTRE

All brick 2 bedrm renovated bungalow, walking distance to Centre Mall, bus services, schools, shops & easy access to QEW. Recent updates: windows, wiring, plumbing, gas furnace, eaves & facias, roof, side paved/private drive. Clean as a whistle. $134,999.

1113_KIMRI_0014 H3104363.

SMITHVILLE/WEST LINCOLN

Approx 1800 sqft bungalow w/scenic views & long drive into dbl garage/workshop (ideal for hobbyist). Master w/gas fireplc, 4 pce ensuite includes jetted tub & separate shower. Wood stove insert in livingrm. Newer kitchen & flrs & walkout onto huge deck. 2nd gas fireplc in recrm. Country living mins from shops & malls. $389,900. H3102769.

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STATE REALTY BROKERAGE INDEPENDENTLY OWNED & OPERATED

STONEY CREEK

This property displays pride of ownership. It is mins away from hwy access, park, Lake Ont. Gleaming dark hardwood flrs in living & family room/with fireplace. Extended cabinets in the open concept kitchen. Large bedrms w/tons of closet space as well as excellent sized washrms w/great combination of tiles & cabinets.

1113_KIMRI_0012 $379,999. H3103976.

ST. CATHARINES

STONEY CREEK MOUNTAIN

Amazing home close to new malls, buses, elementary/secondary schools & easy access to “Redhill”/”The Linc” hwys. 3 bedrm, 2 bathrm. Exceptional decor throughout w/newer kitchen, corner gas fireplace in family room. Upgraded eat-in kitchen. Situated among new home construction. Nothing to do but move in condition. $309,999. H3102473.

1113_KIMRI_0013

BURLINGTON

Home w/huge famrm addition, gas fireplace insert, walkout to backyrd & detached garage. Home remodelled w/newer floors, newer maple kitchen, updated windows, over counter lighting. Basement w/updated 4 pce bath includes whirlpool tub. $179,999. H3101875.

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Beautiful unit in the heart of Burlington has two large bedrms, laminate flrs, updated kitchen, washrm, beautifully painted w/crown moulding in bedrm, stack-up laundry unit, large balcony. Includes a storage unit & 2 parking spaces. Close to shopping, bus routes & all other amenities. Act fast, this won’t last long. $244,999. H3103393. 1113_KIMRI_0016

FOR LEASE - STONEY CREEK MNT

BUSINESS FOR SALE - HAMILTON CENTRE

Walking distance to schools, Valley Park Community Centre, buses, shopping malls & movie theatres. Easy access to the Linc & Redhill Creek hwys. Rent $1495.00/month + utilities.

Amazing home finished from top to bottom. Ideal for a growing family. $1495/month. H3103357.

Jodi Woodard Sales Representative

1113_KIMRI_0018

AJ Ghottra Sales Representative

Great profitable laundromat business in the heart of central Hamilton. High exposure being on Main Street East, shop front window w/lots of signage. All coin operated machines/ self service. Little supervision required. Close to shops, buses, “Centre Mall” & easy access to Hamilton Mountain. Be your own boss. Great opportunity. $49,900. H3104005. 1113_KIMRI_0019

Jacqueline Mastrangelo Sales Representative

1-877-574-7441 or 905-662-6039

Top 1% Nationally FOR ROYAL LEPAGE 2006-Present

8158867_1113

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Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

Ro b M c D o w e l l Broker, BA/SRES

Seniors Specialist Designation

905- 3 8 8 - 1 1 1 0 w w w . 1 1 1 0. c a

Paul McDowell DREAM HOME

THE MADISON IS BACK!

NEW PRICE! NEW OPPORTUNITY

30% SOLD FIRM OR CONDITIONAL

8.1 acre parcel backing onto Twenty Mile Creek near Glanbrook. 1,000 foot frontage.

Many possible uses or build your dream home. New price $214,500. Call Rob. MLS H3091987 1113_KIMRI_1_0044

OLD STONEY CREEK

New owner! New opportunities! Same million dollar views from escarpment edge! 2400 sq. ft.

400 sq. ft terrace. Private elevator entry in each suite. 3 designs. Prices starting from $695,000.

Call Rob or Paul for viewing of our newly furnished suite. MLS H3079836 1113_KIMRI_1_0045

Immaculate 3 bedroom bungalow with double garage. 2 full bathrooms, updated top to bottom, nothing to do - just move in.

Now only $274,900. Call Paul or Rob. MLS H3101492 1113_KIMRI_0037

NEW LISTING $16,000 spent last year to create almost a brand new inground pool.

This 4-bedroom, 2 bath beauty shows very well, has a finished basement and new furnace, shingles and windows. Asking only $319,900.

Call Rob or Paul.

MLS H3103915

Build your dream home on this 50 x 101 foot residential building lot. Great location in Old Stoney Creek, south of King Street and a walk to town amenities & new community centre. Asking $160,000. Call Rob or Paul.

1113_KIMRI_1_0013

Please say you saw it in Resale Home & Condo Guide

1113_KIMRI_0038

1113_KIMRI_0039

8547409_1113

Sales Representative

Volume 13 Issue 05

13

Resale Home & Condo Guide - Hamilton & Halton Edition

HOMELIFE RESULTS REALTY INC. Brokerage

905-318-3800

Nicely loaded with all the right upgrades. Includes: Granite counter in kitchen/powder, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding, dinette cabinetry, INVENTORY HOME SALE family room w/built-in maple wall unit, gas fpl, hwd floors in dining, family and upper hall, coffered ceiling, decorative columns. Oak stairs w/wrough iron spindles, master ensuite w/dble sink, shower w/half glass walls and seat. 19 interior potlights, 5 exterior, 2 shower lights, 2 wall sconses, iron and glass insert for front doors, central air, 3 piece RI bath for bsmt...

CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./ MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 1113_KIMRI_1_0059

1113_KIMRI_1_0033

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208 CHARTWELL CIRCLE - HAMILTON

24 CHARTWELL CIRCLE - HAMILTON

LOT 6...To be built by Scarlett Homes, new site on Hamilton Mountain, the Belair model approx 2646 sq. ft., 4 bedrooms, 2.5 baths, 9 ft. main floor ceilings, kitchen with flat maple cabinets, granite countertops with stainless steel undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hardwood in separate dining room & upper hall, main floor family room with fireplace, 4 interior/4 exterior potlights, much more....MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1113_KIMRI_1_0009

$426,900

LOT 26...To be built

by Scarlett Homes, Huntington model, approx 2391 sq. ft., 4 beds, 2.5 baths, 9 ft. main floor ceilings, kitchen w/granite countertops, pots & pans drawer, crown moulding, breakfast bar, pantry, family room w/FP, hardwood floors in dining rm/upper hall, much more....DONNA RAKAS* @ 905-318-3800...OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM. 1113_KIMRI_1_0079

$409,900

$389,900

167 CHAMBERS DRIVE-ANCASTER

$549,900

Lot 2.... By Scarlett Homes, Kingston model approx 2502 sq ft, 9’ main floor ceilings, maple kitchen, granite counters + SS undermount sink, crown moulding, oak stairs, hardwood in separate dining/upper hall, potlights, 4 bedrooms, 2.5 baths, main floor family room with fireplace, master bedroom with ensuite, much more....

MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL & 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM.

$419,900

It is gorgeous house, don’t miss it, only 5 years old. All brick, approx 2500 ft of living space. Finished top to bottom on Central Mountain. This house has 3 living room, 3 bedrm, plenty of space for growing family. Decorated and neat to perfection. Close to shopping, schools and access to Linc. RSA.....BOZENA KRESINA* 905-318-3800

$399,800

8 CHARTWELL CIRCLE-HAMILTON

LOT 24...New home by Scarlett Homes, new site on Hamilton Mountain, the Snowflake model approx 2257 sq. ft., 4 bedrooms, 2.5 baths, main floor family room with gas fireplace, separate formal living and dining rooms, hadwood floors, granite countertop in kitchen with crown moulding, undermount sink, pantry, master bedroom with walk in closet & ensuite, bedroom level laundry, many more upgrades, closing date Oct/ Nov 2012....BOZENA RADENKOVIC* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1113_KIMRI_1_0007

Beautiful Georgian style home in a quiet, highly sought- after Aldershot neighborhood!

Some upgrades include, hardwood floors in living/ dining/den/upper hall, maple staircase with wrought iron spindles, 18” tile in kitchen, upgraded cabinets with granite counter tops, see B listing for more...Kohler fixtures throughout, GE cafe fridge, stove, dishwasher, heated bathroom floors, 200 amp service, lighting fixtures, door/hardware, built- in sound system as well as security with cameras and monitoring equipmnet. This quality built home leaves little to desire and exudes charm and character with its classic trim, molding and colour package as well as landscaping and detached finished garage, RSA...BORIS KRESINA* 905-318-3800.

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1113_KIMRI_1_0031

125 ASSISI STREET - HAMILTON

200 CHARTWELL CIRCLE- HAMILTON

693 CEDAR AVENUE - BURLINGTON

$1,465,000

$307,800

$469,900

Wow!!! Unbeatable price in this only 5 years old home with 4+2 bedrooms and 3.5 baths, finished top to bottom, over 3500 sq ft of living space, A/C, 6 appliances, hot tub included, main floor family room w/fp, main floor laundry room, eat- in kitchen, master ensuite, priced for fast sale. No disappointment. Shows 10+++ ... BOZENA RADENKOVIC* 905-318-3800.

LOCATION LOCATION LOCATION. Heart of Mountain. Close to Limeridge Mall and exit to Linc. All brick, lovely 3 bedroom, 2.5 bath. House for young or growing family, new furnace, hardwood, oak stairs, two level deck, BBQ gas, FP in rec room. Good house, good location, good value.

RSA....BOZENA RADENKOVIC* 905-318-3800

LOT 9...New home by Scarlett Homes, new site on Hamilton Mountain, The Kingston model to be built, the Redwood model features 2,630 sq. ft. plus double car garage. Kitchen with peninsula, granite counter and maple cabinets, built- in pantry, corner angled upper cabinet, a bank of pots and pan drawers and crown moulding. Separate w/2 decorative columns, a coffered ceiling and hardwood floors. There is a window opening toward the family room w/gas fireplace with oak mantle, 9 ft. ceilings on main floor, oak staircase, hardwood floors in dining room and upper hallway, 4 exterior pot lights, 4 interior pot lights, dinette walk-out with terrace doors much more....

CHARENE LOTTRIDGE* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./ MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM 1113_KIMRI_1_0015

$417,900

36 CHARTWELL CIRCLE-HAMILTON

LOT 11...To be built

by Scarlett Homes, new site on Hamilton Mountain, the Aurora model approx 2660 sq.ft., 4 bedrooms, 2.5 baths, main floor family room with fireplace, main floor laundry room, separate dining room, master bedroom with walk-in closet and ensuite, eatin kitchen, hardwood floors, much more....MOJGAN MOSHIRI* 905318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM

$422,900

44 CHARTWELL CIRCLE - HAMILTON

LOT 29...To be built by Scarlett Homes, new site on Hamilton Mountain, the Florence model approx 2551 sq. ft., 4 bedrooms, 2.5 baths, 9 ft main flr. ceilings, kitchen w/ flat maple cabinets, granite countertops w/ stainless steel, undermount sink, pantry, pots & pans drawer, crown moulding, breakfast bar, oak staircase, hdwd in separate dining rm & upper hall, main floor family room with fireplace, 4 interior/4 exterior potlights, much more ... MOJGAN MOSHIRI* 905-318-3800 OR VISIT SITE MODEL @ 819 RYMAL ROAD E./MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM. 1113_KIMRI_1_0078

$419,900

220 CHARTWELL CIRCLE - HAMILTON

1113_KIMRI_1_0011

Inventory sale quick closing. Price includes granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, undermount lighting, crown moulding, dinette cbinetry, family room w/built-in maple wall unit, gas fpl, hwd floors, coffered ceiling, dining rm w/hdw, main floor laundry, oak stairs...CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/ CLOSED FRIDAYS/SAT-SUN 1-5PM. 1113_KIMRI_0036

LOT 27...New home

by Scarlett Homes, Riverstone model approx 2400 sq. ft., 4 bedrooms, 2.5 baths, 9’ main floor ceilings, 4 bedrooms, 2.5 baths, main floor family room w/fireplace, separate dining room, hardwood floor, granite/raised maple kitchen, pantry, pots/pans drawer, crown moulding, potlights, oak stairs....CHARENE LOTTRIDGE* @ 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6PM/CLOSED FRIDAYS/SAT-SUN 1-5PM 1113_KIMRI_2_0015

$409,900

212 CHARTWELL CIRCLE - HAMILTON

Model home available soon!

New design has everything on the “Wants” list. Granite counter in kitchen, raised maple cabinets, undermount sink, upgrade faucet, AVAILABLE IMMEDIATELY undermount lighting, crown moulding, dinette cabinetry, family room w/built-in maple wall unit, gas fpl., hdw floors, coffered ceiling, dining rm w/hdwd....CHARENE LOTTRIDE* 905-318-3800 OR VISIT SITE MODEL @ 71 CLOVERLEAF ANCASTER/MON-THURS 1-6 PM/CLOSED FRIDAYS/SAT-SUN 1-5 PM. 1113_KIMRI_0035

$549,900

183 CHAMBERS DRIVE ANCASTER

$549,900

171 CHAMBERS DRIVE ANCASTER

**Broker of Record *Sales Representative

Please say you saw it in Resale Home & Condo Guide

9189931_1113

318 CRERAR DRIVE - HAMILTON

1113_KIMRI_1_0019

www.scarletthomes.com

825 RYMAL ROAD EAST - HAMILTON

Results Realty Inc. Brokerage Independently Owned & Operated Realtor®

14 themortgageminute

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 05

The true cost of bad mortgage advice

BY PETER KINCH

I

had a conversation with a couple of clients recently that really bothered me. They started by informing me that they had been through a bankruptcy seven years ago but their credit had been squeaky clean since, and now they are ready to try and get back into home ownership.

At first I winced at the thought they had waited for seven long years before reapplying for a mortgage when they could have easily qualified for one much sooner, but that wasn’t the worst of it. I asked if they had re-established any credit over the past seven years, then braced for the answer: they both looked at each other and then back at me with that all-too-familiar “I’m not quite sure what you mean” look.

As I feared, they were told at the time of bankruptcy that they would not be able to qualify for any credit for at least seven years. Now, they might not have actually been told this, but that is certainly the impression they had.

Here’s the bad part: I then had to explain to this nice couple that, although it is quite admirable that they had perfect credit for the past seven years, they also have not re-established any credit in that time, and from a lender’s perspective, that is the single most important component of deciding to lend again. In fact, most lenders will want to see that you have re-established two or three “trade-lines” or sources of credit over the past two years, and that you have paid them diligently. This proves to a lender that your bankruptcy was an isolated incident and you now have the ability to manage your debt.

So, what did this mean for the couple? After waiting patiently (based on poor advice), and doing absolutely nothing for seven years while waiting to apply for a mortgage, they now have to spend another two years re-establishing credit (such as a Visa, line of credit or car loan) before any prime lenders would look at a mortgage application. That’s nine years in total! If they had gotten the right advice from the beginning and established new trade lines – which they could easily have done within a month of being discharged – they would have been able to apply for a mortgage at fully discounted rates five years ago.

Too many consumers who have experienced debt issues are not given this simple advice, so here it is in a nutshell: » Bankruptcy or bad debt will remain on your credit record for seven years, but this is not to be misconstrued to mean that you will not qualify for credit for seven years. » From the moment you are discharged, you may apply for credit from a variety of sources that will allow you to re-establish your debt and credit rating. These include: › A pre-paid or secured credit card (put $5,000 in a trust account as security and then get a secured card with a $5,000 balance). › Have a family member or friend act as a co-signor or guarantor to get a secured loan from a lender with you are the primary borrower. › A car loan › An RSP loan » Your loans must report to one or both of the credit bureaus (Trans Union, Equifax) and the limits must be at least $2,500.

Once you get new sources of credit, use them and pay them off. The purpose of these loans and credit cards is to prove to a future lender that you now have the ability to use credit responsibly. That means that credit lines must be revolving, not static.

If you can show that you have re-established your credit, then you may apply for a fully discounted mortgage from virtually any lender and even qualify for high-ratio mortgage insurance through Canada Mortgage and Housing Corp.

With the right advice, anyone who has gone through bankruptcy can qualify for a new mortgage within two or three years. The same person, with the wrong advice, may need to wait as long as nine years for the same result. So, what’s the cost of bad advice?

Peter is founder of the Peter Kinch Mortgage Team and the PKApproved group of Dominion Lending Centres mortgage brokers across Canada, and he is co-owner of Pacific Bridge Mortgage Investment Corp. Feel free to forward any questions directly to Peter at pkinch@peterkinch.com

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Volume 13 Issue 05

15

Resale Home & Condo Guide - Hamilton & Halton Edition

“Discover the Difference” www.gabrielriverso.com

JUST WEST OF ANCASTER!!!

Rare find property, beautiful 5 acres of country rolling lands, with large pond, pine forest walking trails. California ranch with plenty of natural light. 2+2 bedrooms, 2-4 pc. bath w/hot tubs.

Large porch and a huge deck 55’ balcony/deck. Walk-out for the lower level! Double garage and workshop, full basement under garage. Priced at only $569,000.

Call Gabriel Riverso at 905-545-1188, Toll free 1-800-563-6257, Virtual Tour at griverso@rmxemail.com 1113_KIMRI_3_0045

1113_KIMRI_3_0044

Gabriel

Riverso Broker

905-545-1188

SOLD!

!!

L YOURS L E S S ’ T LE LOCATION!!!

Very well kept, all brick and plaster construction custom built for the original owners as a 4 bedroom backsplit on a large 60 x 123 feet lot. Ideal for the growing family or in-law situation. The 4th bedroom converted to laundry room but could be easily reversed. 2 kitchens with solid oak cabinets, 2 baths, side entrance, large patio, close to Mohawk College. Easy highway access. $349,000 Call Gabriel Riverso at 905-545-1188, Toll Free 1-800-563-6257, Virtual Tour at griverso@rmxemail.com

CLOSE TO EASTGATE SQUARE A “Losani” Built Home!!! Well kept, all brick 3+1 bedroom, a great style of home, with curved staircase. It offers ensuite bath in master bedroom.

Many upgrades. Large pie-shaped lot. Beautiful Florida sunroom. Totally finished lower level.

Main floor family room with fireplace and more!!! $359,000. Easy access to highway.

Call now Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, or visit www.gabrielriverso.com

1113_KIMRI_1_0034

1113_KIMRI_3_0043

CLOSE TO ANCASTER!!!

Escarpment Realty Inc., Brokerage Independently Owned & Operated

11268797_1113

UNIQUE HOME!!! Custom built over 2100 sq. ft. of living area, plus over 2 acres lot with fabulous view! GREAT and UNIQUE energy efficient “Blue Max” construction ranch style home. Super insulated (R40) steel reinforced concrete. Under floor radiant heating/air return system. Offers 3 bedrooms, a large living room and nice family size kitchen. There is tons of natural light & view from every window., asking $539,000. Come and compare, try your offer!!!

Call Gabriel Riverso at 905-545-1188, toll free 1-800-567-6257, Virtual Tour at www.gabrielriverso.com 1113_KIMRI_4_0044

Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

Peter

Escarpment Realty Inc., Brokerage

VA N D E N D O O L Sales Representative

2011

2003-2010

2010

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

(905) 575-5478

“Inducted in 2005”

E-mail: peterv@remaxescarpment.com

Independently owned and operated

Website: www.vandendool.com

Stunning Summit Park home. Loaded with upgrades including gorgeous Maple kitchen with granite counters, center island and backsplash.

Additional features include hardwood, ceramics, oak stairs, wrought iron railings, luxurious ensuite features a corner whirlpool tub, separate shower and the list goes on.

1113_KIMRI_0001

This is country living at its optimum. Located on a gorgeous 1.8 acre treed and rolling lot set well back from the road, offering scenic views and privacy. Features a large 3 bdrm, 2 bthrm home with an attached garage as well as a detached double car garage plus a drive. Just 15 mins to 403, Brantford.

1113_KIMRI_0002

NEW LISTING SUMMIT PARK $409,900

NEW LISTING SCOTLAND $279,900

Prime commercial space in Caledonia’s newest plaza. Offers 1870 sq. ft. of space and ample parking. . A perfect location for a professional office or store.

To be built 2892 sq. ft plan features 17’ ceilings in family room & dinette w/tall windows & hardwood. Gourmet kitchen offers a breakfast bar, granite counters, under cabinet lighting & triple pantries. The master bedroom has a walk-in closet & a gorgeous ensuite with a huge walk-in shower & corner soaker tub. This home offers amazing value on a large pieshaped court lot. 1113_KIMRI_2_0056

1113_KIMRI_1_0055

PRIME COMMERCIAL CALEDONIA

SIMILAR TO BE BUILT, PORT DOVER $378,990

One of the best lots available.

Located on a quiet street beside a pond. Features a 1,458 sq. ft. open concept bungalow with a luxurious ensuite, hardwood flooring, C/A, maple kitchen, gorgeous fireplace, main floor laundry, coffered ceilings and double car garage. Come and view the model at 83 Kolbe Dr.

Perfect starter home located in a desirable Caledonia neighbourhood. This spotless 3 bedroom home features an 18’ master bedroom with walkin closet, main floor laundry & family rooms and a fully finished basement. Also includes a double paved drive and a generous size fully fenced rear yard with a large rear deck.

1113_KIMRI_2_0044

1113_KIMRI_2_0057

TO BE BUILT PORT DOVER $303,990

NEW LISTING CALEDONIA $289,900

Rarely do waterfront homes of this caliber come available to purchase. This home is fully automated by Crestron electronics providing automated lighting, entertainment, security and more. Offering approx 10,000 sq ft of living space features an elevator, indoor lap pool, radiant heat throughout including the walkways, garage and artificial turf. The 1700 sq. ft. garage features a unique door system that opens to 14’ x 17’ high opening. Must be seen.

1113_KIMRI_1_0043 1113_KIMRI_1_0058 INCREDIBLE LAKE FRONT PORT DOVER

Call Peter today for more information on any of these listings...*

*Not intended to solicit properties currently listed for sale.

Please say you saw it in Resale Home & Condo Guide

11270380_1113

16

17

Resale Home & Condo Guide - Hamilton & Halton Edition

Peter

Escarpment Realty Inc., Brokerage

VA N D E N D O O L Sales Representative

2011

2003-2010

2010

SOLD

221A - 550 Fennell Ave. E. Hamilton, ON L8V 4S9

(905) 575-5478

“Inducted in 2005”

E-mail: peterv@remaxescarpment.com

Independently owned and operated

Website: www.vandendool.com

Nicely presented bungalow in Hamilton’s popular east end. Features an in-ground pool, updated kitchen with granite counters & island, recently installed patio doors to a back deck & Artic Spa. Updates include carpet in family room, exterior doors, dishwasher, stove. Pool heater & filter & bow window.

Fantastic investment opportunity.

This property offers a well maintained main house with an addition featuring a totally separate in-law apartment.

Located in an area of new construction offering 145’ of frontage with potential of severing a 60’ x 217’ lot. Additionalyy the owner will stub the sewer line into the potential lot.

1113_KIMRI_2_0045

NEW LISTING HAMILTON $289,900

1113_KIMRI_2_0046

INVESTMENT PROPERTY MOUNT HOPE $499,900

Be the 1st to own this exciting new design. This 1 1/2 storey 3 bedroom home features a main floor master bedroom ensuite, walk-in closet, pantry, main floor laundry and a dramatic great room with soaring ceilings. All this finished to Edwards Custom Homes high standards. Call today for the floor plans.

Custom built all brick ranch just minutes south of Caledonia. Unique rural commercial zoning offers a long list of possibilities. The unique layout of the home offers a 23 x 20 hobby room which could easily be used for the commercial portion of the home.

Features an oversized double garage, oak kitchen, 2 fireplaces, main floor family room and a formal living room. Offers tremendous value.

1113_KIMRI_2_0047

EDWARDS CUSTOM HOMES, JARVIS $299,900

1113_KIMRI_1_0049

ONEIDA RESIDENTIAL & COMMERCIAL $359,900

Fantastic 4 bedroom home finished from top to bottom.

Located on a quiet Caledonia St. offering a main floor family and laundry room, professionally finished lower level features a large rec-room, 3 piece bathroom and an additional bedroom. Outside there is concrete drive and patio and an extra deep pool sized lot.

Beautifully designed home features 1458 sq. ft. of modern open concept living. Loaded with extras, includes maple kitchen with island and pendant lighting, under cabinet lighting, glass tile backsplash & pot drawers. The great room features tray ceilings, engineered hardwood flooring and a cozy gas fireplace. Lots of extras including C/A, pot lights, wrought iron railings, upgraded under pad, all brick exterior with stone skirt and double car garage.

1113_KIMRI_1_0050

4+1 BEDROOM HOME CALEDONIA $334,900

1113_KIMRI_1_0051

IMMEDIATE POSSESSION PORT DOVER $279,990

This 1269 sq. ft. home features a fantastic floor plan with 2 large bedrooms, cozy gas fireplace, main floor laundry room, upgraded maple kitchen with a lazy Susan, under cabinet lighting, pot drawers and convenient garbage pull out. Must be seen.

Stunning end unit quality built by Willik Homes Ltd. Offers over 1200 sq. ft. of modern open concept living on the main floor.

Features include hardwood flooring, maple kitchen ensuite bathroom, main floor laundry room, coffered ceiling, cozy gas fireplace and more.

1113_KIMRI_1_0052

LUXURY TOWNHOUSE PORT DOVER $238,803

1113_KIMRI_1_0053

END UNIT PORT DOVER $247,468

Call Peter today for more information on any of these listings...*

*Not intended to solicit properties currently listed for sale.

Please say you saw it in Resale Home & Condo Guide

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Volume 13 Issue 05

18 makeyourmove

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 05

Avoid common packing mistakes B Y DA N H O P K I N S

M

ore than four million people moved residences in Canada last year, many of whom did the packing themselves. For some, it works out fine; others have problems resulting from a lack of foresight, poorly packed boxes and inexperience in loading moving trucks. Here are a few tips to help you avoid finding damaged items at your destination: {01} Consider purchasing boxes from your mover. The most common packing mistake we see are people getting free boxes at the grocery or liquor store and then putting too much weight in them. For example, using a large box to pack books and magazines may make it too heavy to lift, and the box might break during the move. Use this rule of thumb: the heavier the item, the smaller the box. Be choosy about your boxes; free boxes from a grocery store that have been used to ship produce could contain insect larvae that may transfer to your belongings. {02} Be realistic about the number of boxes you need.

Depending on how long you have lived in your current location, you will most likely underestimate your boxes requirement. Often, we hear of people who think 50 or 60 boxes will be enough, and then realize they need 250, two days before moving day. {03} Start packing early and be completely packed when the movers arrive. Sometimes we arrive at a customer’s home and they’re not packed. There’s nothing more frustrating than trying to move customers’ belongings while they are attempting to shove items into boxes.

This also interferes with the optimal loading of the moving truck. We have a loading system where the first things we place in the truck are light items such as chairs, lampshades, cushions, etc; we place these items in the ‘attic’ (the area over the cab) of the truck. We can get lots of light items up there and they stay secure.

Next, we create a ‘box wall’ stacked to the ceiling to

hold the items in the attic in place. We then stand plastic-wrapped mattresses against the box wall and secure everything with tie-off straps to keep belongings from getting jostled during the move. If you’re not completely packed and ready on moving day, we can’t create that box wall early on and, this decreases the capacity of the items that can be moved at one time.

It also eats up precious time, and therefore, money! {04} Think ahead. Begin packing items you don’t use daily.

As you pack your boxes move them to the front of your home and stack them along a wall near the front door.

Having them by the door, organized and ready to go, instead of having movers go back and forth to each room can shave 10 to 20 seconds off the time for each box. Saving 20 seconds per box can save lots of time and money. {05} Consider having your moving company pack for you.

They are skilled, have more experience and have standard-size small, medium and large boxes that are designed to fit into their trucks to create a perfect box wall for optimum efficiency and safety.

When it comes to moving, forethought goes a long way.

Because your belongings mean a lot to you, take extra care when packing so that they arrive at your destination safely.

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

19

Resale Home & Condo Guide - Hamilton & Halton Edition

Westdale 905.522.3300 Ancaster 905.648.6800 Locke St. 905.529.3300 IMMACULATE MOUNTAIN BUNGALOW

WATERDOWN FREEHOLD TOWNHOME

00

9 9,

4

$2

HAMILTON EAST TOWNHOME

00

00

0 5,

7

0

$3

0 9,

$1

Charming 3 bedroom brick bungalow with beautifully refinished hardwood floors, large living room, and an eat-in kitchen. Unspoiled basement with 2-pc bathroom, gas fireplace, and loads of potential. Fenced yard, many updates. By appointment only.

1113_KIMRI_0026

3 bedroom freehold end unit, linked only at garage and located on a quiet court. Open-concept main floor with eat-in kitchen open to large living room. Master bedroom with his/hers closets and ensuite privilege. Finished basement, fenced yard with two-tier deck. Great value!

1113_KIMRI_0027

Well maintained three bdrm two bath end unit townhome.

Great location close to Redhill. Expressway and most amenities. Good sized bedrooms, central air, private yard, separate dining room, eat-in kitchen, move in condition.

1113_KIMRI_0028

Call Krista Hann* at 905.648.6800 or email hann@judymarsales.com

Call Krista Hann* at 905.648.6800 or email hann@judymarsales.com

Call Nelson Kolenski* at 905.648.6800 or email kolenski@judymarsales.com

ROCKWOOD LAND

WESTDALE MOVE-IN CONDITION

ROCKWOOD BUNGALOW

00

0

, 50

00

$4

0

90

0

, 30

, 39

$1

$3

Lovingly maintained, custom built brick bung on large ravine lot! Freshly painted, this home offers 3+2 bed, 3 bath, 6 walk-outs, 2 eat-in kit, 2 fireplaces, main floor den, rec room, office, hobby & plenty of other spaces to 1113_KIMRI_0029 personalize.

Rare, opportunity to purchase this "R1" low density residential lot, overlooking a ravine with a pond/stream! With a frontage of 65.66 feet and depth reaching 209.9 feet to the southerly limit of Richardson's pond x 74 feet, close to Guelph.

1113_KIMRI_0030

Owners have completed all major renovations - furnace 6 yrsroof 10 yrs- plumbing & electrical all redone. Hardwood floors on main floor bedrooms refinished, beautiful huge basement (could be divided), 3 car garage.

Pleasure to show!

1113_KIMRI_0031

Call Janice Rocchi* at 905.648.6800 or email rocchi@judymarsales.com

Call Janice Rocchi* at 905.648.6800 or email rocchi@judymarsales.com

Call Michael O' Connor* at 905.648.6800 or email oconnor@judymarsales.com

HAMILTON CONDO

GREAT FAMILY NEIGHBOURHOOD

DUNDAS CONDO

00

9

, 79

00

$3

$2

4

58

0

, 49

, 14

$4

Luxury townhome in Valley Heights with spectacular conservation views and the Bruce Trail at your doorstep. Wide plank espresso oak hardwood & gas FP with custom mantle & granite surround in Great Room. Dream Maple kitchen with granite & glass backsplash & breakfast bar. Large master with walk-in closet + 2nd floor laundry.

1113_KIMRI_0032

West facing 1097 sq ft modified 2 bedroom, 2 bath Lincoln model. Floor to ceiling windows, maple kitchen, large breakfast island, granite counters and backsplash, stainless steel applinaces, polished concrete floors, lots of closet space, storage locker on same floor. 24-hrs notice.

1113_KIMRI_0033 Underground parking avail @ $150/month

Reno'd from top to bottom, this wonderful Burlington home has a chic, modern decor. Featuring an open concept, heated tile floor, finished basement, and hot tub. Spacious landscped lot with pool, in a great family neighbourhood, close to hwy's, schools, parks and shopping. A must see!

1113_KIMRI_0034

Call Andrew Karpavicius* at 905.522.3300 or email karpavicius@judymarsales.com

Call Andrew Karpavicius* at 905.522.3300 or email karpavicius@judymarsales.com

Call Richard MacLean* at 905.522.3300 or email maclean@judymarsales.com

* Denotes Sales Representative **Denotes Broker

9189934_1113

Please say you saw it in Resale Home & Condo Guide

20

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

-Brantford Edition

Hamilton-Halton-Haldimand

Mar 31 - Apr 14, 2012 Volume

12 Issue 6

Hamilton-Halton-Haldimand

-Brantford Edition

Your Best Source for Homes

April 14 - 28, 2012 Volume

12 Issue 7

& Condos

Your Best Source for Homes

& Condos

. 3 large bedrms, 2.5 manicured to perfection Cod is in Cayuga! Property is The inside of the Cape one of the nicest homes attached greenhouse. nt Realty, Brokerage.

F! - $579,900 - Truly heated workshop w/ tative, Re/Max Escarpme basement 24' by 32' 1312_KIMRI_0203 TIME TO REWARD YOURSEL and laundry rm. Finished Norm Merz, Sales Represen bathrms. Main floor family Sitting on over an acre. Call today to view!#H3082567.

GRIMSBY - $489,999 a pure pleasure to view. merz.com 94 Ottawa St. S. Cayuga. MLS Custom built www.norm with scenic views of escarpme living & dining rm. Granite 905-575-5478. nt. Luxury in-law suite. countertops throughou corner gas fireplace, Open kitchen with stainless t. Hardwood flr on main 2 bedrms, den & private level. Ensuite w/corner steel appliances overlookin Brokerage 905-662-6039 entry. g or visit www.TheSharmaTeRoof w/ lifetime warranty. H3083319. Call whirlpool tub. Bsmnt w/ 2nd kitchen, ceramic Rick Sharma, Broker, am.ca flrs, Royal LePage State Realty, 1512_KIMRI_0069

Artist concept

- Walk to Locke St. cafes, AFFORDABLE LIVING - $48,500 or co-op, perfect for single shops, bus. One bedroom ideas. Monthly fee $425 incl retirees. Bring your updating or mtnce, bldg ins. No pets taxes, heat, water, bldg Val Dalgetty-Righton, Sales smoking. 285 Bold St. Call Banker Pinnacle Real Estate, Representative, Coldwell . 0912_KIMRI_0001 #H3080017 MLS 10.

Brokerage. 905-522-11

subdivision along the shores of LAKESIDE LIVING! $389,900 - Executive with many upgrades! Granite ON 59' WIDE LOTS! home Lake Erie! Custom 6 yr old, 3-bedrm to HAGERSVILLE - 3 CAR GARAGE ensuite, 2 fireplaces, garden doors models. Close to schools, countertops, hardwood floors, 5-pc PARKVIEW ESTATES - Furn. garage, unspoiled full basement!

2 storeys, elevated ranches, back deck, cathedral ceiling! Attached hospital & outdoor park. near Freedom Oaks from $229,900. Open Sat & with right-of-way to beach! Dunnville Views of LakeLEErie backsplits & bungalows. Prices Donald Plouffe, Broker of AFFORDAB LIVING - $48,500 - for your viewing!

905-774-7511 Walk Broker pm. to Locke 2-4 Koster, St. cafes, shops, Golf Course!

Sun 12-4 pm, Mon-Fri bus. Call OneLiz bedroom 0312_KIMRI_3_0013 Brokerage.for single Centre perfect Real Estate Brokerage. 905-632- retirees.

Real Estateco-op, Niagara LePage or Royal Record, Donald Plouffe Ltd. Bring your updating ideas. Monthly fee homes.ca 0512_KIMRI_8000 $425 incl taxes, heat, water, bldg 5940. See virtual tours at www.plouffe mtnce, bldg ins. No pets or smoking. 285 Bold St. Call Val Dalgetty-Righton, Sales Representative, Coldwell Banker Pinnacle Real Estate, Brokerage. 905-522-1110.

MLS #H3080017. 0912_KIMRI_0001

Artist concept

HAGERSVILLE - 3 CAR GARAGE ON 59' WIDE LOTS! PARKVIEW ESTATES - Furn. models. Close to schools, hospital & outdoor park.

2 storeys, elevated ranches, backsplits & bungalows. Prices from $229,900. Open Sat & Sun 12-4 pm, Mon-Fri 2-4 pm. Donald Plouffe, Broker of Record, Donald Plouffe Ltd. Real Estate Brokerage. 905-6325940. See virtual tours at www.plouffe homes.ca 0512_KIMRI_8000

BINBROOK - COUNTRY BUNGALOW $394,900 - 3 bedrm all brick home situated on over 1 acre southern exposure lot. Bright eat-in kitchen, spacious living room, fully finished lower level.

Oversized garage 31' x 16' & parking for 10 cars. So many Sales Representative, Royalupdates. Call Lisa Tollis, LePage State Realty, Brokerage 905-574-4600 www.LisaTollis.ca 1512_KIMRI_0036

Hamilton-Halton-Haldimand-Brantford Edition

Now Available Online Read all our magazines online in an easy-to-use flip-page format

PLEASE VISIT

www.homeTRADER.ca to view our print publications online

Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

21

Resale Home & Condo Guide - Hamilton & Halton Edition

`

3

LOCATIONS

DREAM HOMES

Hamilton, Oakville, Dundas/Greensville

40, 45 & 50 FT. LOTS

Phase III

Now HST Open Included

Specializing in Custom New Homes Visit Our Model Home or View at

www.zeinahomes.ca

Fabulous West Mountain Location Upper Paradise - South of Rymal Rd.

Dennis J. Petis, Broker Leanne Johnny, Sales Representative

905.574.3038

Homelife Macro Realty Inc. Brokerage Independently Owned & Operated

14 Superb Zeina Designs OR Custom Build from

MILLIE PANTON

9549010_1113

FRI, Broker of Record

905-387-5992

millie.panton@on.aibn.com m. PANTON REAL ESTATE BROKER, BROKERAGE MILLIE PANTON, FRI BROKER OF RECORD 14 Windstar Place Hamilton, ON L9C 7H1

“Serving with dedication & integrity since 1970”

NEW LISTING RAISED RANCH WITH GARAGE $235,900

Call Millie Panton, FRI, Broker of Record, m.

Panton Real Estate Broker, 905-387-5992.

A BUSINESS BUILT ON REFERRALS

Immaculate & maintenance free 3 + 1 bedrooms brick raised ranch. Gleaming hardwood floors in living, dining, kitchen, stairs & mainfloor halls. Bedroom carpets replaced approximately 3 months. All windows replaced with tilt & turn. Roof new Sept. 2011, air conditioner & furnace 2007, ducts cleaned Nov 2011; recrm. w/woodstove.

All appliances & most window covering included. Handy to all schools & other amenities. Much more!! 30 days possession...

MLS#3104552 (w/virtual tour).

1113_KIMRI_0041

MORE LISTINGS NEEDED!!!

11270311_1113

DUNSBY BROCK DUNSBY R.H.I.

*Prices quoted are for Hamilton Area

$410,900

905-689-1551 Over 8,000 Professional, Thorough Inspections Since 1991

Sat. & Sun 1-5pm Mon-Thurs 2-6pm or by appt.

11267152_1113

Model Home

• Property Inspections •

Call today for a FREE MARKET EVALUATION Interest Rates are great - our Economy strong take the opportunity to downsize or upsize NOW.

Call Millie Panton, FRI, Broker of Record, M. Panton Real Estate Broker, Brokerage | 905-387-5992

Please say you saw it in Resale Home & Condo Guide

22 finances

Resale Home & Condo Guide - Hamilton & Halton Edition

Volume 13 Issue 05

Working from home:

tax tips for the self-employed

BY JEN N K ILLINS

T

hey say two things in life are certain: death and taxes. How we are going to die and how much tax we pay are both grey areas and, for the most part, out of our control. But let’s leave the Grim Reaper in the graveyard for now. Believe it or not, I have some good news on the tax front! And no, I’m not running for office...

Taxes are not only a sure thing, they are also scary, boring and intimidating for most. Don’t let this tax season scare you or get you down. If you work from home, here’s some great news: it is no longer just the starving artist who can benefit from working from home. There is a way you can give yourself a little raise. Self employed, employees, and commissioned income earners, get ready to Google the following forms to see what tax breaks you are eligible for.

» T2125 – CALCULATION OF BUSINESS USE OF HOME EXPENSES

This one will guide the self-employed Canadian to deductions at home such as heat, electricity, insurance, maintenance, mortgage interest and property taxes. The rule of thumb is if you need to spend it to make money at home, you can more than likely deduct it. Some larger repairs may have a capital cost eliminate to them. This form will give you details on this and other deductions you are entitled to if you’re self-employed.

DON’T LET ALL THESE FANCY FORMS AND TERMS SCARE YOU. DO A BIT OF HOMEWORK AND TAKE IT TO A PROFESSIONAL IF YOU’RE NOT SURE OR JUST PLAIN CAN’T STAND THE IDEA OF DOING YOUR OWN TAXES. » T777 – STATEMENT OF EMPLOYMENT EXPENSES

This form is for the employee who works from home. It is important to know that it doesn’t matter if you only work from home part of the time – you are still eligible to claim a portion of the time you do work from home.

Employees are eligible to claim items such as heat, electricity, general repairs, condo fees, Internet and work phone. The only expenses you can’t claim as an employee versus self-employed are mortgage interest and property taxes.

An exception is made for commission employees. As an employee, you must have your employer fill out a T2200. This form tells Revenue Canada what the employer’s expectations are for work and expenses from themselves and from yourself as the employee. » GENERAL FACTS ABOUT HOME DEDUCTIONS

The amount of the deduction is calculated based on the amount of space you use in your home for income. Let’s say you have 10 rooms in your home and two are used for work. The pro-rated amount is based on the percentage of the home used for work. In this case, 20 per cent. So, if your deduction total is $10,000 x 20 per cent, it’s a $2,000 deduction off your income for you! It’s important to know that the deduction only applies to income.

If this is the first you are hearing of this but have been working from home for quite some time, don’t fret – you are able to go back to previous years and do a Please say you saw it in Resale Home & Condo Guide

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

23

THERE ARE SO MANY FINANCIAL BENEFITS TO WORKING FROM HOME. YOU’RE ALREADY PAYING MOST OF THESE EXPENSES ANYWAY, AND THE FACT THAT YOU CAN CLAIM A PORTION IS A GREAT BENEFIT.

T1 adjustment to make a claim for the years you missed the boat!

Keep your receipts. If Revenue Canada comes calling, you want to make sure you can prove your expenses that have been claimed.

And finally, don’t let all these fancy forms and terms scare you. Do a bit of homework and take it to a professional if you’re not sure or just plain can’t stand the idea of doing your own taxes.

When in doubt, ask if you’re eligible to claim the deduction. Don’t assume if you don’t know. The money spent for good advice will pay off.

There are so many financial benefits to working from home. You’re already

paying most of these expenses anyway, and the fact that you can claim a portion is a great benefit. Let’s not forget the personal benefits. Nothing is better than working from home in your pajamas. I used to do that all the time. Not as much anymore… darn Skype!

It’s not always about working harder. There’s something to be said for working smarter. So sharpen the pencils, Google it up and give yourself that much-deserved raise!

Jenn Killins is a financial planning expert, speaker, media personality and author of the best-selling finance book, Finding the G Spot, a sassy, sensible, entertaining approach to finance. Jenn has a creative way of keeping finance simple. Follow Jenn on Twitter @findingtheGSpot, and for more information, visit dollarsandsense.info.

Please say you saw it in Resale Home & Condo Guide

24

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

8254235_1113

MAURIS CECCA Sales Representative

BUS: 905-388-1110 WATERFRONT CONDO!!!

WEST MTN SCENIC DRIVE AREA!!

DUNDAS CONDO: NEW LISTING!!

!

t!!

o ’l

75

Sought-after “shore liner” complex.

2 bedrm + den spacious floorplan.

Features pool, sauna, hot tub, exercise rm, squash ct, well equipped workshop, party rm and more.

1113_KIMRI_0023

Walk to parks and trails. Renovated beauty. New shingles, windows, sofit, fascia & eaves. 2 new baths, new kitchen with glass and marble backsplash, travertine flrs, hardwood through out livingrm and 3 bedrms. Lower level boasts rec/rm with pot lights plus den.

In the heart of Dundas, open concept 2 bedrm, 2 bath, corner unit with lots of windows. Huge living rm/dining rm area, new carpets throughout, oak kitchen with ceramic backsplash, recent furnace and c/air, large laundry/storage rm.

1113_KIMRI_0024

1113_KIMRI_0025

Delay * Withdrawal Tranquilli-T assumes interest on unexpected bridge financing.

Tranquilli-T covers additional expenses such as hotels, storage, moving expenses, pet boarding, property upkeep and maintenance, heating, electricity, legal fees, taxes, insurance.

In the event of delay or withdrawal, on a subject free contract of purchase or sale, for additional expenses over and above $300.00 deductible, for a period of 180 days or up to the policy limit of $25,000 (this limit may vary depending on the value of the property) *Effective from the moment the transaction becomes subject free up to the date of completion.

Death of the Buyer or Buyers Spouse Tranquilli-T will pay the seller the agreed sale price.

Tranquilli-T will pay the real estate fees, and addittional expenses related to the resale of the property. *Effective from the moment the transaction becomes subject free up to the date of completion.

Legal Assistance * Legal Fees Tranquilli-T covers legal fees (not repairs) up to $5,000 per event for a maximum aggregate of $10,000 if the buyer or seller withdraws with no valid reason, false declaration by the seller, presence of a latent defect, any litigation with neighbours, tenants or service providers resulting from the real estate transaction, subsequent ownership and occupancy of the residence.

Tranquilli-T provides free unlimited telephone consultation with a Tranquilli-T lawyer.

RE/MAX clients can choose their own lawyer or Tranquilli-T can refer one with pre-approval of legal fees.

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Resale Home & Condo Guide - Hamilton & Halton Edition

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Located in West Hamilton. Minutes to Downtown core. Dundurn Castle, schools, hwy access. Top floor, with over sized balcony and view of Lake Ontario. Spacious 1 bdrm currently tenanted for $882/month. Huge living room, in suite laundry, underground parking and much more. 5 appls included. Great buy. 1113_KIMRI_5001

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stylefile

27

Smart tips

for sweet dreams

BY YA N IC S I M A R D

PHOTO COURTESY OF DORMEO OCTASPRING

W

hether you’re a stressed-out insomniac or a sweet dreamer, you could likely use a little more sleep. I’m more on the insomniac side, so while laying in bed thinking I did a little research and found these tips – old and new – that can help us all rest a lot easier.

1. THE MATTRESS

There are two traditional mattress types to choose from: coil or memory foam.

Although metal coil mattresses are still made today, the wires can sometimes lose their shape over time, even to the point of poking through the mattress (which is not how I like to get my acupuncture therapy). Pocket coil mattresses update this system, creating long lasting coils that flex to fit the body.

Memory foam uses modern materials to create a softer, more form-fitting surface, which reacts to your body without wearing out as quickly (although some can trap in heat and moist air). The foam then “remembers” its original shape and snaps back when you get up, ensuring the shape doesn’t sag over time.

My favourite type of mattress is also the newest, and a sort of combination of the other two: a memory foam coil mattress made by Dormeo Octaspring. This mattress has all of the aerating benefits of classic coils, but is made of ultra high-

I ALWAYS STICK WITH NATURAL FABRICS OVER SYNTHETIC, AS THE ORGANIC FIBRES BREATHE AND ALLOW HEAT AND MOISTURE TO ESCAPE, PROMOTING CONSISTENT SLEEP CONDITIONS.

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ANY TYPE OF MATTRESS CAN BENEFIT FROM THE EXTRA SHOCK ABSORPTION OF A BOX-SPRING, SO I RECOMMEND GIVING YOURS A CHECK-UP WITH EVERY NEW MATTRESS, AS A WORN OUT ONE WON’T PROVIDE NEARLY AS MUCH SUPPORT. tech foams that support each part of your body perfectly, so you get the best of both worlds.

Once you have the perfect mattress, make sure to dress it well: thread counts are the first thing many shoppers look at when buying bedding, but what’s truly most important is feeling the fabric for yourself to see how you respond to it. I always stick with natural fabrics over synthetic, as the organic fibres breathe and allow heat and moisture to escape, promoting consistent sleep conditions.

2. THE SUPPORT SYSTEM

When selecting a frame, you have to balance function and style. Platform beds with minimal, block forms are trendy right now, and the look is very clean and clutter-free which can lower stress (as they say, a tidy home is a tidy mind). However, a more open bed frame will let air pass under the mattress, which allows for even better ventilation if you tend to get hot in the middle of the night.

Any type of mattress can benefit from the extra shock absorption of a box-spring, so I recommend giving yours a check-up with every new mattress, as a worn out one won’t provide nearly as much support.

to mean “boring.” In the dark, colours in related tones (i.e., saturation levels) will tend to blend out, so you can still mix together a rich invigorating palette to wake up to and let all that energy disappear at night with the flick of a switch.

Fibre isn’t just good for your diet, it’s good for your sleep! Hardwood is a very popular flooring choice this century, but in the bedroom some carpeting (or an area rug) and lush drapery will bring in both softness and some sound absorption; if you usually go minimal, here’s the place to go a little more luxe.

4. THE DETAILS

Even if you aren’t afraid of the dark, small amounts of light can upset your natural sleep patterns, disrupting melatonin production and interrupting deep slumber.

Consider giving your curtains a blackout lining and choose electronic accessories that don’t cast light (such as the power indicator on a phone charger or an LED alarm clock). Experts suggest that being able to see the time constantly ticking away at night only stresses you out, so choose a clock that is only lit when you really want it (such a button-activated digital clock or an old-school mechanical model).

Now that the space is nice and cave-like, position your bed away from the room’s entrance to put your protective animal instincts at ease, and remove any furniture (such as a desk) that turns your sleep space into a work space. Having your work and rest zones physically distinct is an important step to keeping them mentally separated.

If you follow the above four points, your brain will have nothing to worry about at night – except what to dream about next.

For even more tips on creating a better sleep space, come to the Direct Energy Centre and take in my presentation at the National Home Show on Toronto Star Day (Friday, March 22nd) at 5:00 p.m. I’ll be partnering with Dormeo Octaspring to bring you styling lessons, shopping tips, and more. I can’t wait to see you there.

Until then, sweet dreams!

3. THE SPACE

You may have heard that one of the best ways to bring a sense of rest to your sleeping space is by calming down your colour scheme. This is true; cool tones, from greens to blues to purples, are less energizing and can help you relax.

However, “less energizing” doesn’t have

Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s Cityline.

For more information visit tidg.ca.

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HOMEBUYERS’ RESOURCE SECTION You love the home, see what you can afford!

Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart Please say you saw it in Resale Home & Condo Guide

29 homebuyers’help

30 homebuyers’help

Resale Home & Condo Guide - Hamilton & Halton Edition

BUYING A HOME | THE FIRST STEPS arrange for a mortgage select a home inspector select a real estate agent select a lawyer

AFTER BUYING: home insurance warranties

KEY PLAYERS

SELLING A HOME | THE FIRST STEPS select a lawyer select an agent – contract – negotiate commission assess the market value of your home renovate to increase the value of your home

STAGING FOR PROSPECTIVE BUYERS: clean (walls, doors, baseboards) store personal items clear clutter front yard – clean, no debris paint if needed kitchen bathroom

ABOUT THE PROPERTY

agent’s name: phone number: email:

property: list price: property taxes/year:

broker’s name: phone number: email:

NEIGHBOURHOOD closest main intersection:

lawyer’s name: phone number: email:

elementary schools: high schools: hospitals: clinics:

inspector’s name: phone number: email:

shopping (supermarkets/malls):

reno expert’s name (1): phone number: email:

public transportation:

reno expert’s name (2): phone number: email:

distance from work/school: occupancy: heating:

nice to have:

CONDO amenities:

deal breakers:

Volume 13 Issue 05

banks:

closest highway:

maintenance fees:

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Resale Home & Condo Guide - Hamilton & Halton Edition

Ndj adkZ i]Z ]dbZ!

H:: L=6I NDJ 86C 6;;DG9 USE THIS GUIDE TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM HOME 1. Calculate the combined monthly before-tax income between you and your spouse.

2. Divide by three. This figure is the monthly payment you can afford to make on your home.

3. Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

4. Refer to the chart below. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers choose the 25-year amortization).

5. Multiply this figure by the amount you need to borrow.

Divide by 1,000.

6. Add to this your estimated monthly heating costs and monthly property taxes.

7. If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

CALCULATE YOUR MORTGAGE PAYMENTS MONTHLY PRE-TAX INCOME

+

SPOUSE’S PRE-TAX INCOME

DIVIDE BY 3

=

AFFORDABLE MONTHLY PAYMENTS

CHART FIGURE

X

AMOUNT OF MORTGAGE DIVIDED BY 1,000

=

AMORTIZATION AMOUNT

AMORTIZATION AMOUNT

+

ESTIMATED MONTHLY TAXES & HEAT

=

MONTHLY PAYMENTS

=

TOTAL PRE-TAX INCOME

AMOUNT OF MORTGAGE (PRICE – DOWN PAYMENT)

MORTGAGE PAYMENT CALCULATION CHART % 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% 10.25% 10.50% 10.75% 11.00% 11.25% 11.50% 11.75% 12.00% 12.25% 12.50% 12.75%

10 YEARS 10.58 10.70 10.82 10.94 11.07 11.19 11.31 11.43 11.56 11.68 11.81 11.94 12.06 12.19 12.32 12.45 12.58 12.71 12.84 12.97 13.10 13.24 13.37 13.50 13.64 13.77 13.91 14.04 14.18 14.32 14.46 14.59

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15 YEARS 7.88 8.01 8.14 8.27 8.40 8.53 8.66 8.80 8.93 9.07 9.21 9.34 9.48 9.62 9.76 9.90 10.05 10.19 10.33 10.48 10.63 10.77 10.92 11.06 11.22 11.36 11.52 11.66 11.82 11.97 12.13 12.28

20 YEARS 6.57 6.74 6.85 6.98 7.12 7.26 7.41 7.55 7.69 7.84 7.99 8.14 8.28 8.44 8.59 8.74 8.86 9.05 9.20 9.36 9.52 9.68 9.84 10.00 10.16 10.32 10.49 10.65 10.81 10.98 11.15 11.31

25 YEARS 5.82 5.96 6.10 6.25 6.40 6.55 6.70 6.85 7.00 7.16 7.32 7.47 7.63 7.79 7.95 8.12 8.28 8.45 8.62 8.78 8.95 9.12 9.29 9.46 9.63 9.80 9.97 10.15 10.32 10.49 10.67 10.85

32

Volume 13 Issue 05

Resale Home & Condo Guide - Hamilton & Halton Edition

CHARTERED BANKS

VARIABLE

ATB Financial Alterna Svgs/Alterna Bk Bank of Montreal Bank of Nova Scotia

6 MONTHS

2 YEARS

3 YEARS

4 YEARS

5 YEARS

2.8

4 6.30op

3.1 6.30op

3.14 6.50op

3.7

4.39

3.19

3

4 6.30op

3.05 6.30op

3.09

3.09

3.29

3.24

3.1

4 6.30op

3 6.30op

3.04

2.79

2.99

3.09

3

4.55 6.45op

3.75 6.50op

2.69

3.99

4.39

4.99

4 6.45op

3 6.30op

3.04

3.65

4.64

5.24

6.70op

3 6.35op

3.14

3.65

2.99

5.24

4.45 6.20op

2.7 6.35op

3.95

2.98

4.99

3.49

Canadian Western Bank CIBC

1 YEAR

3.2

HSBC Bank Canada

3

ICICI Bank Canada

3.05

3.15

3.65

3.64

3.69

3.44

3

3

3

2.79

3.25

3.08

ING Direct Laurentian Bank Manulife Bank

n/a

4.4 6.70op

3.09 6.30op

3.14

3.7

3.64

3.79

3

4.45

3 4.00op

3.05

3.1

3.1

3.09

2.94

2.94

2.94

2.99

3.04

n/a

4 6.70op

3.1 6.30op

3.14

3.7

3.19

3.79

3.2

3.24

3.35

3.44

4 6.30op

3 6.30op

3.04

2.99

4.64

3.29

MonCana Bank National Bank Presidentâ&#x20AC;&#x2122;s Choice Finan

3.2

Royal Bank

3.2

TD Canada Trust

3.2

3 6.30op

3.04

2.79

2.99

3.19

n/a

2.99

3.1

3.5

3.64

3.14

TRUST COMPANIES AGF Trust Community Trust

n/a

6.5

3.1

3.35

3.95

4.64

5.24

Effort Trust

n/a

4.45 6.30op

3.25 6.30op

3.6

3.9

4.5

4.95

Home Trust Company

3.2

3.95

2.74

2.49

2.89

3.15

2.99

Investors Group Trust

n/a

4 6.50op

3 6.30op

3.14

3.65

4.64

5.24

3

4.55 6.45op

3.75 6.50op

2.69

3.99

4.39

4.99

2.99 6.25op

3.25

3.29

3.09

3.49

2.99 9.00op

3.25

3.29

3.19

3.29

3.95

2.74

2.69

2.79

2.99

3.09

6.34op

3.09 6.34op

3.19

3.24

3.29

3.12

4 6.50op

3 6.30op

3.14

3.65

4.64

5.24

3.6 7.00op

3.95

4.35

4.89

5.24

3.1 6.30op

3.14

3.7

3.4

3.19 3.5

MTCC

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. Comtech Credit Union

4 2.79

First National Fin. LP

6.6 8.40op

FirstOntario C.U.

2.79

London Life

n/a

MCAP

2.9

Meridian Credit Union

2.85

Parama Credit Union

2.9

3.1

3.15

3.15

3.25

Steinbach Credit Union

2.5

2.5

2.6

2.8

2.9

3.1

Teachers Credit Union

4

3.05 6.50op

3.15

2.79

3.89

3.19

4.45

4.45 6.30op

NOTES: **INTEREST RATE CHARGED SUBJECT TO ADJUSTMENT DURING TERM MORTGAGE. PLEASE CONSULT INSTITUTION FOR TERM OF YEARS AVAILABLE. ALL RATES ARE 13*.& 3"5&4 "/% 46#+&$5 50 $)"/(& 8*5)065 /05*$& 3 0 3 3"5&4 0/ 3&26&45 t 01 01&/ t /05 2605*/( t / " /05 "7"*-"#-& Prepared on Feb. 25, 2013 by FiscalAgents.com/mortgage/rates

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DONNA LAVIN Sales Representative Sales Representative LAVIN DONNA Sales Representative

Andrea Maddox

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Escarpment Realty Inc., Brokerage Escarpment Realty Inc., Brokerage Independently owned & operated Independently owned&&ON operated Operated 221A-550Independently Fennell Ave. E., Owned Hamilton, L8V 4S9 221A-550 Fennell Ave. E., Hamilton, ON L8V 4S9

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JUST LISTED JUST LISTED CA H BUYERS WEST FLAMBOROUGH $359,900 STONEY CREEK CONDOin Looking for Dundas, Hamilton andFlamborough!

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,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\ ,IÂŤ\RXÂŤKDYHÂŤRQH ÂŤFDOOÂŤPHÂŤWRGD\

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DowntownDundas Dundas&&The Driving Park Downtown e Driving rThe

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WOW! Lake & escarpment views abound in this 3BR, spacious LR/DR. Updated eat-in kitchen, Bright spacious and charming bungaden with spacious bar & elect.

FP.charming no carpet.bungaRecent Bright and low 2offers 3 BRs. 2 baths,building hardwood bath pce 3ens.

Full 2amenitiy pool, low+offers BRs. baths, hardwood floors, cove ceilings, recent shaker sauna, library, workshop, exercise rm. Great Hwy floors, recent shaker kitchencove with ceilings, granite CT. fin. Rec. rm. access! kitchen with property granite CT. Rec. perrm. and private with fin. beautiful and private property with beautiful perennial gardens! $ 419,900.00 ennial gardens! $ 419,900.00

Beautiful country property with great views over farmland. 3+2 BR., brick home offers in-home 1.5 Sty 3BR. 1.5 bath brick home single gaoffi ce Sty with3BR. sep. entrance, nishedsingle lower level 1.5 1.5 bath fully brickfihome garage, double drive, main floor master, Arts & rage, double drive, main floor master, Arts & has combo 3 pce bath and 2 good Crafts eat inlaund. kitchen, formal dining room withsize Crafts eat in kitchen, formal dining roomaccess with bedrooms.

Ideal for growing family. beamed ceiling, sunfilled family roomGreat addition, beamed ceiling, sunfilled familystained room addition, hardwood floors, leaded and glass. tohardwood Cambridge,floors, Brantford & Hamilton. leaded and stained glass.Â

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24 OTTAWA ST SOUTH $252,000

O DYNAMH FLAS SOLD

JUST LISTED! Beautifully refurbished. 3+1 bedrooms, 2 baths. Blast from the past completely renewed from top to bottom. In-law suite with private entrance. Gas forced air furnace & C/Air 2012. Check out virtual tour @ www.dynamo1.ca. MLS #H3103119.

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For all your Real Estate Needs in

Escarpment Realty Inc.Brokerage Independently Owned & Operated

#11-370 Wilson St. E., Ancaster, ON

Hamilton, Ancaster, Dundas, Stoney Creek, Burlington & Surrounding Areas

www.sonniam.com *Not intended to solicit properties currently listed for sale.

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100 PARK ROW SOUTH - RARE FIND!

FABULOUS NEIGHBOURHOOD! $199,000

O DYNAMH FLAS SOLD

Fresh dynamo sizzler! Circa 1939! Handsome English brick cottage exudes warmth & character. Steeped in tradition with mellowed woods & stained glass. Impeccable 2 bedrooms, 1.5 baths, exquisite hardwood, newer windows, modern kitchen, separate dining room. Main floor family room addition. Garage.

Professionally landscaped. MLS #H3103603.

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Call Sonnia Sonnia Martorana at her new Sales Representative Ancaster Office