$4.50M · 4+1 bed Detached · 1011 - MO Morrison, Oakville

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About this home

246 Cairncroft Road, is a masterful reimagination of your traditional Morrison home. Renovated top to bottom in 2024 this unique opportunity features a total architectural reface including a significant addition to above grade living space, along with a thorough underpinned expansion to the lower level as well. No stone was left unturned, featuring new services to the property, new electrical, new plumbing, new spray foam insulation and dry wall. A new roof, which has been reframed from scratch,…

Property details

MLS#

W12997872

Status

Buy Now

Beds

4+1

Baths

5 full, 0 half

Size

3000-3500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block
Other structures: Fence - Full, Garden Shed, Storage
Property features: Electric Car Charger, Fenced Yard, Hospital, Library, Park, Public Transit

Fireplaces: 1
Fireplace features: Natural Gas

Garage: 2-car Attached
Garage spaces: 2
Parking: 8 total
Lot: 100 × 150
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick, Wood · Landscape Lighting, Landscaped, Lawn Sprinkler System, Lighting, Patio, Privacy
Fronting on: West
Cross street: Lakeshore Rd and Cairncroft
Basement: Full, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Air Exchanger, Auto Garage Door Remote, Built-In Oven, Carpet Free, Central Vacuum, Sump Pump, Upgraded Insulation, Water Heater
Parking features: Private Double

Rooms

Level	Room	Dimensions
Ground	Family Room	4.95m × 5.57m
Ground	Kitchen	4.71m × 5.46m
Ground	Dining Room	3.14m × 5.46m
Ground	Office	2.94m × 3.75m
Ground	Foyer	5.31m × 3.48m
Second	Primary Bedroom	6.85m × 4.66m
Second	Bathroom	5.21m × 2.71m
Second	Bedroom 2	4.67m × 3.56m
Second	Bathroom	1.68m × 2.78m
Second	Bedroom 3	4.27m × 3.75m
Second	Bedroom 4	3.73m × 5.49m
Second	Bathroom	1.68m × 3.52m
Second	Laundry	3.56m × 2.13m
Basement	Great Room	5.48m × 4.58m
Basement	Exercise Room	3.85m × 7.85m
Basement	Bedroom 5	3.28m × 5.49m
Basement	Bathroom	1.52m × 2.44m
Ground	Powder Room	1.52m × 1.52m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $4,499,000✓ $10,817 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$31,005/mo

incl. closing costs (yr 1)

Annual total

$372,061

year 1

Mortgage only

$17,068/mo

principal + interest

Beyond mortgage

$5,233/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$899,800

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$901/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%$44,990/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$98,950

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)55% $204,814/yr

Property taxes30% $109,767/yr

Utilities2% $5,790/yr

Insurance & security0% $1,600/yr

Maintenance12% $44,990/yr

Closing costs1% $5,100/yr

Mortgage is 55% of your true cost of ownership. The other 45% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$204,814	$17,068/mo
Government & taxes
Property tax	$10,817	$901/mo
Land transfer tax(closing)	$98,950	$8,246/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%)	$44,990	$3,749/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	$372,061	$31,005/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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246 Cairncroft Road

About this home

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Property details

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Rooms

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Annual costs