12 Shady Oaks Trail, Hamilton, ON L9B 0E9
Listed by Mark S. Zizzo • RE/MAX Escarpment Realty Inc.
12 Shady Oaks Trail , Hamilton, ON L9B 0E9
$ 979,990
Bed Rooms
3
Bath Rooms
3
SqFt
1,834
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Virtual Tour
50 photos
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Year Built
2025
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$534
Car Garage
2.0
Open House
Sun Aug 30, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,834 sqft
MLS Listing ID
40809734
Bedrooms
3
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,834
Annual Tax Amount
$1
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
16 - Hamilton Mountain
Zoning
R4
Direction
Rymal Rd. W. to Hazelton. Right on Alessio
Rooms
Basement
Full, Unfinished
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Central Vacuum Roughed-in
Heating
Forced Air
Cooling
None
Fireplace
No
Appliance
Dishwasher, Refrigerator, Stove
Laundry
Upper Level
Exterior
Parking Features
Attached Garage, Asphalt
Roof Type
Asphalt Shing
Lot Frontage
32.0
Lot Depth
98.0
Garage
Yes
Building
Lot Description
Urban, Park, Place of Worship, Playground Nearby, Public Transit, Rec./Community Centre, School Bus Route, Schools
Faces
Rymal Rd. W. to Hazelton. Right on Alessio
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Aluminum Siding,Brick,Stone
New Construction
Yes
Others
Senior Community
No
Tax ID
169110845
Ownership
Freehold/None
Virtual Tour
https://www.myvisuallistings.com/vtnb/362083
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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