
30 CUMBERLAND Avenue, Hamilton
Hamilton
$699,900
Cash flow, cap rate & mortgage breakdown
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Listed by RE/MAX ESCARPMENT REALTY INC.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
4
Bathrooms
2
Days on Market
1
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
None Detected
Rent Estimate
$2,900/mo
Estimated from market price-to-rent ratios
Remarks
Welcome to this beautifully maintained 4-bedroom character home, perfectly situated in Hamilton's highly sought-after St. Clair neighbourhood-one of the city's most established, tree-lined communities. Offering timeless architectural charm and thoughtful modern updates, this exceptional residence delivers the perfect balance of character, comfort, and convenience, all within approximately an hour of Toronto. Sun-filled living spaces create an inviting atmosphere for everyday living and entertaining, while the beautifully updated kitchen, complete with a new pantry, serves as the heart of the home. Original character details blend seamlessly with modern enhancements, creating a warm and welcoming place to call home. Upstairs, both second-floor bedrooms feature custom closet systems, while Ethernet wiring to the third-floor bedrooms provides fast, reliable internet-ideal for remote professionals, students, or anyone seeking a dedicated home office or creative space. Recent improvements offer peace of mind and include a new refrigerator ('26), air conditioner ('26), basement sewer backup pipe replacement ('25), and an upgraded electrical panel with EV charger, thoughtfully preparing the home for today's lifestyle. Main floor laundry adds everyday convenience. Step outside to enjoy the private, fully fenced backyard surrounded by mature trees-a peaceful setting for entertaining, gardening, or simply relaxing. Location is everything and St. Clair delivers...just minutes from Gage Park, the boutiques, cafés and restaurants of Ottawa Street, scenic trails, excellent schools, transit, hospitals and vibrant downtown Hamilton, you'll enjoy an exceptional urban lifestyle with a true sense of community. Whether you're searching for more space, historic charm, or an easy escape from the pace of the GTA, this remarkable home offers an outstanding opportunity to experience the very best of Hamilton living. Room sizes approx.
MississaugaInvestor.ca
30 CUMBERLAND Avenue
Detached · 4bd/2ba · ~1,750 sqft
$699,900
Cash-Flow Report · July 31, 2026
Cap Rate
2.08%
Monthly Cash Flow
-$2,010/mo
Estimated Rent
$2,900/mo
Cash-on-Cash
-15.72%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$2,900 |
| Mortgage | −$3,222 |
| Property Tax | −$735 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$583 |
| Vacancy (5%) | −$145 |
| Cash Flow | -$2,010/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$34,800 |
| Vacancy (5%) | −$1,740 |
| Property Tax | −$8,819 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$6,999 |
| Annual NOI | $14,542 |
| Cap Rate | 2.08% |
Cash Required to Close
| Down Payment (20%) | $139,980 |
| Ontario Land Transfer Tax | $10,473 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $153,453 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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