$2M · 5 bed Detached · 1020 - WO West, Oakville

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About this home

Welcome To This Unique, Custom-Built Home In Desirable East Oakville. Situated On A Premium, Treed Lot, This Home Features An Amazing Heated Sunroom With Massive Windows, Tile Floors, And A Stunning Entertainment Wall Including A Fireplace, Desk, And A Space For Your Wall-Mounted TV. Double Entry French Doors Lead To A Backyard Retreat Patio Area Equipped With An Outdoor Kitchen, Gazebo, Waterfall Feature, Garden Shed, And Ample Room For A Pool Or Hot Tub. Inside Features An Open Concept Main Fl…

Property details

MLS#

W12876160

Status

Buy Now

Beds

Baths

4 full, 0 half

Size

3000-3500

Style

2-Storey

Type

Detached

Year built

—

Roof: Shingles
Foundation: Unknown
Other structures: Garden Shed
Property features: Fenced Yard, Public Transit, School, Wooded/Treed

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 60 × 125
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Stone, Stucco (Plaster)
Fronting on: North
Cross street: Speers & Morden
Basement: Finished, Full
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Foyer	2.56m × 3.07m
Main	Kitchen	3.84m × 5.76m
Main	Living Room	3.62m × 2.86m
Main	Dining Room	2.68m × 3.01m
Main	Bedroom 5	3.69m × 2.98m
Main	Bathroom	—
Main	Sunroom	7.83m × 5.02m
Second	Primary Bedroom	4.66m × 4.02m
Second	Bedroom 2	2.68m × 5.18m
Second	Bedroom 3	3.29m × 5.21m
Second	Bedroom 4	3.87m × 5.21m
Basement	Recreation	3.41m × 6.27m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,999,999✓ $9,064 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$14,090/mo

incl. closing costs (yr 1)

Annual total

$169,078

year 1

Mortgage only

$7,587/mo

principal + interest

Beyond mortgage

$3,005/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$400,000

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$755/mo

Utilities

Hydro / electricity$228/mo

≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$20,000/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$36,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $91,049/yr

Property taxes27% $45,539/yr

Utilities3% $5,790/yr

Insurance & security1% $1,600/yr

Maintenance12% $20,000/yr

Closing costs3% $5,100/yr

Mortgage is 54% of your true cost of ownership. The other 46% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$91,049	$7,587/mo
Government & taxes
Property tax	$9,064	$755/mo
Land transfer tax(closing)	$36,475	$3,040/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$20,000	$1,667/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$169,078	$14,090/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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427 Pinegrove Road

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Annual costs