261 Federal Street, Hamilton, ON
L8E 1P8
Listed September 23, 2026
About this property
Over 3000 sq ft! Beautiful custom build in lower Stoney Creek on a massive 320' lot! Perfect for families and/or multi-generational homes, this 3+2 bedroom, 4.5 bathroom home has ample space inside and out! Step into the front hall with a two-storey ceiling and into the open concept main floor with dinning space, updated kitchen and great room; perfect for entertaining. Upstairs you'll find 3 sizeable bedrooms, a dedicated laundry room and a primary with en-suite. The basement was renovated in 2022 to include a separate side entrance to basement apartment featuring 2-bedrooms and 2-full bathrooms with 1 en-suite. Double car garage, ample parking and a massive backyard ready to be completed into a backyard oasis!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 261 Federal Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$225,000 · Minimum $87,500
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$7,148/mo
About $85,776 a year
- $4,976
- $779
- Home insurance$125
- Utilities$330
- Maintenance & repairs$938
Cash needed to close
- Down payment (20%)
- $225,000
- Ontario land transfer tax
- $18,975
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $246,475
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
261 Federal Street, Hamilton, ON
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Last Updated: September 23, 2026
Listing Office: MICHAEL ST.JEAN REALTY INC.
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