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20 SHIRLEY STREET
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Beds
5
Baths
2
Sqft
—
Year
—
Type
Single Family
On market
118d
Welcome to this truly turn-key bungalow backing directly onto lush greenspace in highly sought-after University Gardens - where privacy, lifestyle, and income potential come together effortlessly. Tucked into a quiet, family-oriented neighbourhood just minutes from shopping, transit, and everyday amenities, this home offers the perfect blend of quality construction, thoughtful updates, and exceptional versatility. Lovingly maintained, it features cove mouldings and a cozy wood-burning fireplace anchoring the bright, open living and dining area. Large vinyl windows flood the space with natural light, highlighting updated flooring. The main level offers three generous bedrooms and a beautifully renovated kitchen with stone countertops, stainless steel appliances, and abundant cabinetry - stylish, modern, and functional. The professionally finished lower level adds exceptional versatility with a spacious in-law suite complete with two large bedrooms, an eat-in kitchen, bright family room, and 3-piece bath - ideal for multi-generational living or added income. Step outside to your private, fully fenced backyard oasis, featuring an expansive deck and a serene greenspace backdrop with no rear neighbours - perfect for entertaining, relaxing, or enjoying peaceful outdoor living. A rare opportunity in University Gardens that is completely move-in ready and not to be missed. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Bedroom 5 | 3.94 × 2.95 meters | |
| Bathroom | 2.92 × 1.78 meters | |
| Laundry room | 3.58 × 2.95 meters | |
| Utility room | 3.89 × 3.53 meters | |
| Cold room | 2.49 × 1.3 meters | |
| Family room | 4.75 × 4.14 meters | |
| Kitchen | 4.06 × 3.81 meters | |
| Bedroom 4 | 3.94 × 3 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Foyer | 43.32 × 1.3 meters | |
| Living room | 6.93 × 3.73 meters | |
| Kitchen | 4.11 × 2.82 meters | |
| Primary Bedroom | 4.39 × 4.19 meters | |
| Bedroom 2 | 3.07 × 2.82 meters | |
| Bedroom 3 | 3.07 × 2.74 meters | |
| Bathroom | 2.62 × 1.96 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
-0.93%
Cap rate
4.68%
GRM
13.9
Break-even rent
$5,239
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Hamilton (Dundas). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.