427 Pinegrove Road, Oakville, ON
West, Oakville · MLS® W12876160
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 Floor Design With A Grand Kitchen, Built-In Appliances, Granite Countertops, Backsplash, Center Island, Pot Lights, And Large Windows. The Main Floor Bedroom Has Access To A Full 3-Piece Bathroom And Can Be Easily Converted To A Separate Formal Dining Room Or Office. The Space Also Includes Extensive Wall Trims And Hardwood Floors Throughout. The 2nd Floor Has 4 Additional Bedrooms And A Laundry Room. The Finished Basement Has A Possible Side Entrance And An Open Concept Layout With A Kitchen And 3-Piece Bath, Perfect For Large Family Gatherings, An In-Law Suite, Or Additional Income!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W12876160
- Bedrooms
- 5
- Bathrooms
- 4
- Size
- 3000-3500
- Lot
- 60 × 125 ft
- Cross streets
- Speers & Morden
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Stucco (Plaster)
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $9,064 / 2025
- Days on market
- 127
- Listing brokerage
- RE/MAX REALTY SPECIALISTS INC.
Rooms
tile floor · fireplace · w/o to yard
hardwood floor · window · closet
hardwood floor · open concept · combined w/kitchen
hardwood floor · window · closet
hardwood floor · semi ensuite · overlooks backyard
laminate · 3 pc bath · combined w/kitchen
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · wood trim · pot lights
hardwood floor · large window · double doors
hardwood floor · open concept · large window
hardwood floor · b/i appliances · breakfast bar
tile floor · 3 pc bath · walk through
Heads up: the asking price here sits well below what comparable listings suggest. In this market that usually means it is priced to draw multiple offers, so plan for competition and a final number above asking. I would not put an automatic figure on this one. Tell me you are interested and I will pull the most comparable recent sales and give you a straight answer on what it will really take.
Ask Moe if this price is fairOn location, this is a very walkable address with everyday errands close by. 440 Speers Rd is about a 1-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Open-concept layout: modern, sought-after flow.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Weigh carefully
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 31% below the area average of $887/sqft.
122 days longer than the Oakville average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
West, Oakville, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Very WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Most daily errands can be done on foot.
🚉 Nearest transit: 440 Speers Rd, about 82 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Oakville.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Homes over $1.5M can't be insured, so 20% down or more is required.
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $1,599,999 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,538
- Property tax
- $755
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $9,294
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $36,475
- Estimated closing costs
- $36,475
Plus your down payment of $400,000. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $512,291
- Principal paid down
- $203,760
- Interest paid
- $308,531
- Balance remaining
- $1,396,239
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX REALTY SPECIALISTS INC.. MLS®/PropTx.