$3.30M · 4+3 bed Detached · 1020 - WO West, Oakville

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About this home

Prepare to redefine your expectations of luxury living in Oakville.This detached home on a premium lot presents a level of design, craftsmanship, and contemporary elegance rarely available on the market. Thoughtfully custom built in 2025, offering over 5,000 sq.ft. of refined living space, the home features a striking stone & stucco exterior, sleek aluminum windows, modern metal/flat roofing, and a grand fluted double-door entry that sets the tone for what lies within. With 10-ft ceilings, engin…

Property details

MLS#

W12947092

Status

Buy Now

Beds

4+3

Baths

6 full, 0 half

Size

3000-3500

Style

2-Storey

Type

Detached

Year built

—

Roof: Metal, Flat
Foundation: Poured Concrete
Property features: Place Of Worship, Public Transit, Rec./Commun.Centre, School, Beach, Library

Fireplaces: 2
Fireplace features: Electric, Family Room

Garage: 2-car Built-In
Garage spaces: 2
Parking: 6 total
Lot: 60.1 × 123.87
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Stucco (Plaster), Stone · Landscaped, Patio, Porch
Fronting on: North
Cross street: Rebecca Street & Fourth Line
Basement: Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Air Exchanger, Auto Garage Door Remote, Bar Fridge, Built-In Oven, Carpet Free, In-Law Suite, On Demand Water Heater, Sauna, Upgraded Insulation, Water Heater Owned, ERV/HRV
Parking features: Available

Rooms

Level	Room	Dimensions
Main	Living Room	3.84m × 4.87m
Main	Dining Room	2.74m × 3.96m
Main	Breakfast	3.9m × 4.88m
Main	Great Room	5.27m × 5.8m
Second	Primary Bedroom	4.23m × 4.88m
Second	Bedroom 2	3.04m × 3.93m
Second	Bedroom 3	3.96m × 5.49m
Second	Bedroom 4	4.27m × 4.88m
Second	Laundry	2.13m × 2.25m
Basement	Bedroom	3.35m × 3.96m
Basement	Living Room	4.57m × 5.51m
Basement	Media Room	3.7m × 4.88m
Basement	Exercise Room	3.96m × 5.09m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $3,299,000✓ $4,500 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$22,426/mo

incl. closing costs (yr 1)

Annual total

$269,115

year 1

Mortgage only

$12,515/mo

principal + interest

Beyond mortgage

$3,707/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$659,800

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$375/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%$32,990/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$68,950

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)56% $150,185/yr

Property taxes27% $73,450/yr

Utilities2% $5,790/yr

Insurance & security1% $1,600/yr

Maintenance12% $32,990/yr

Closing costs2% $5,100/yr

Mortgage is 56% of your true cost of ownership. The other 44% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$150,185	$12,515/mo
Government & taxes
Property tax	$4,500	$375/mo
Land transfer tax(closing)	$68,950	$5,746/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%)	$32,990	$2,749/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	$269,115	$22,426/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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499 Rebecca Street

About this home

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Property details

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Rooms

Sales History

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Annual costs