32 Anderson Street, Oakville, ON
Central, Oakville · MLS® W12898434
About this home
Rarely available in highly sought-after West Harbour, this turnkey home delivers a relaxed, walkable lakeside lifestyle perfect for downsizers or young professionals. The bright interior is modern and move-in ready. Neutral decor and hardwood floors flow seamlessly across the two main levels. Large south-facing windows bring an abundance of natural light. In the living room, custom built-ins flank the ethanol fireplace to add both character and practical storage, while the separate dining room is great for entertaining. The main floor den is a highly flexible space that serves perfectly as a home office or a cozy family room. The chef's kitchen offers a full pantry wall and ample counter space. The adjacent breakfast room is surrounded by large windows and has direct access to the private backyard-the ideal spot for your morning coffee. Upstairs, the primary bedroom features a charming nook with peekaboo lake views, making a lovely spot for a desk, vanity, or reading chair. A spacious second bedroom and an updated 3-piece bathroom with heated floors and towel rack complete the top floor. The finished lower level provides versatile bonus space for a home gym, recreation room, or additional workspace. Outside, the property truly shines. The backyard has undergone extensive landscaping to create a lush, private retreat. The multi-level stone patios provide multiple zones for entertaining and relaxing surrounded by low-maintenance mature perennials. An automated irrigation system and garden shed make maintenance a breeze. A subtle water feature echoes the lakeside setting with its soft, relaxing sounds. Out front, exceptional curb appeal is highlighted by the classic covered porch-the perfect spot to wind down and take in the sunset. The lifestyle here is unbeatable. Leave the car at home and walk straight down to the water, launch your paddleboard or canoe at the harbour-front Tannery Park, or take a short stroll to Oakville's best local shops and restaurants.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- W12898434
- Bedrooms
- 2
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000
- Lot
- 56 × 96.5 ft
- Cross streets
- Chisholm St & Anderson St
- Parking
- 3 parking
- Driveway
- Private Double
- Basement
- Full, Partially Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Wood
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $7,913 / 2026
- Days on market
- 120
- Listing brokerage
- Sotheby's International Realty Canada, Brokerage
Rooms
Hardwood Floor
Hardwood Floor
hardwood floor · walk-in closet(s)
hardwood floor · overlooks backyard
3 Pc Bath
hardwood floor · overlooks backyard
hardwood floor · skylight
3 Pc Bath
hardwood floor · fireplace
2 Pc Bath
Heads up: the asking price here sits well above what comparable listings suggest. That can point to premium finishes, a bigger lot, or simply an ambitious ask, so it is worth a close look before you offer. 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. Rebecca St. + Chisholm St. is about a 6-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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Heated floors: comfort and a premium-finish signal.
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 6 active listings nearby.
See all comparable homesThis home lists 29% above the area average of $822/sqft.
115 days longer than the Oakville average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Central, Oakville, ON
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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: Rebecca St. + Chisholm St., about 456 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 $1,480,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,898
- Property tax
- $659
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,557
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $33,475
- Estimated closing costs
- $33,475
Plus your down payment of $370,000. 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
- $473,870
- Principal paid down
- $188,478
- Interest paid
- $285,391
- Balance remaining
- $1,291,522
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 Sotheby's International Realty Canada, Brokerage. MLS®/PropTx.