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Investment signal

$459,900

452 HAMILTON STREET

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Beds

Baths

Sqft

—

Year

—

Type

Single Family

Suite

Suite potential

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Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Peterborough (Otonabee Ward 1). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Welcome to 452 Hamilton Street in Peterborough, a versatile and well-maintained property offering outstanding value and flexibility for homeowners and investors alike. This home features a fully self-contained in-law suite in the basement, complete with its own kitchen, bathroom, and living space-perfect for extended family, guests, or potential rental income. The main level offers another full kitchen, comfortable living areas, a bedroom layout designed for everyday convenience, and a full bathroom. With one bathroom on each level and separate kitchen setups up and down, this property is ideal for multi-generational living or those looking to offset mortgage costs. Outside, you'll find a large detached double garage, providing ample space for vehicles, storage, workshop use, or hobby space. The lot offers excellent usability and functionality, adding to the overall appeal. Located in a convenient Peterborough neighbourhood close to amenities, schools, parks, and transit, this property combines practicality with opportunity. Whether you're an investor, first-time buyer looking for help with affordability, or a family needing extra space, 452 Hamilton Street is a smart and flexible option worth seeing. (id:65958)

Subtype: Single Family
Architectural style: Bungalow
Structure: House
Community: Otonabee Ward 1
Common interest: Freehold
Lot dimensions: 45 x 96.5 FT
Bedrooms: 2 above grade, 1 below grade
Parking: 4 total
Stories: 1
On market: Apr 16, 2026
Status changed: Apr 20, 2026
Annual tax: $3,786 (2025)
Photos: 50
MLS#: X13008352
Area: PETERBOROUGH_(OTONABEE_WARD_1)

Features and systems

Parking

Detached GarageGarage

Basement

FinishedSeparate entranceN/AN/A

Appliances

AllWater Heater

Heating

Natural gasCoil Fan

Cooling

Central air conditioning

Exterior

Vinyl siding

Foundation

Block

Lot

Carpet FreeIn-Law Suite

Utilities

SewerElectricityCable

Negative cash flow ~$450/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-5.87%

Cap rate

3.69%

GRM

16.0

Break-even rent

$2,874

Financing

Down payment$91,980

Loan amount$367,920

Mortgage$1,864/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$211

Insurance$80

Maintenance$383

CapEx reserve$192

Vacancy loss$120

Estimates 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.

Mortgage estimate

Estimated $1,864/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 20, 2026.