22 Mill Street S, Hamilton, ON L0R 2H0
Listed by Bob Veevers • Keller Williams Edge Realty, Brokerage
22 Mill Street S , Hamilton, ON L0R 2H0
$ 1,500,000
Bed Rooms
--
Bath Rooms
--
SqFt
7,585
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Request Showing
Virtual Tour
50 photos
Highlight
Year Built
--
Days of On-Site Use
--
Property Type
Commercial
Price per Sqft
$197
Car Garage
2.0
Property Details
Key Details
Sub Type
Building and Land
Listing Status
Active
Purchase Type
For Sale
Square Footage
7,585 sqft
MLS Listing ID
40745281
Abv Grd Liv Area
7,585
Annual Tax Amount
$19,685
Property Sub-Type
Building and Land
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
46 - Waterdown
Zoning
C5a
Direction
DUNDAS ST TO MILL STREET, SOUTH
Rooms
Basement
Partial
Kitchen
0
Interior
Fireplace
No
Exterior
Parking Features
Attached Garage, Asphalt, Guest
Garage Description
1
Utilities Available
Electricity Connected, Natural Gas Connected, Street Lights
Lot Frontage
115.0
Lot Depth
160.0
Garage
No
Building
Lot Description
Irregular Lot, City Lot, High Traffic Area, Public Transit, Schools, Visual Exposure
Faces
DUNDAS ST TO MILL STREET, SOUTH
Story
3
Foundation
Stone
Sewer
Sewer (Municipal)
Water
Municipal
Structure Type
Brick Veneer
New Construction
No
Others
Senior Community
No
Tax ID
175000160
Ownership
Freehold/None
Virtual Tour
https://unbranded.youriguide.com/22_mill_st_s_waterdown_on/
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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22 Mill Street S

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Navjot Singh

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