2172 North Ridge Trail, Oakville, ON
Joshua Creek, Oakville · MLS® W13433464
About this home
Welcome to 2172 North Ridge Trail! This beloved home provides the perfect combination of high-end elegance and practical family comfort, with several hundred thousand spent in renovations. It is ideally centered just blocks between top schools - Joshua Creek, St, Marguerite and Iroquois Ridge - and nearby community centre, library, sporting fields and parks. This beautiful home boasts an updated kitchen with designer finishes, high end appliances including 2 built-in Jenn-Air ovens, induction cook top, quartz countertops and marble backsplash, lighted upper cabinetry and an extended island for eat in convenience. There is lovely flow throughout the main with 9 foot ceilings and a sunken parlour, dining room and family room, with a walk-out to large deck, manicured private yard and hot tub. The practically designed mudroom, with direct access from the garage, is great for storing shoes, coats and schoolbags to keep an organized and tidy zen within the main living space. The upper floor has 3 large bedrooms with custom window treatments, a stylish bathroom renovation and convenient upper floor laundry and office with built in cabinetry. The expansive primary bedroom has a spa inspired ensuite with heated floors, toto toilet/bidet, and a boutique dressing suite that will make you weak in the knees. The basement, complete with bedroom, full bathroom, kitchenette, fireplace and plenty of living space, provides a great space for entertaining, or as a multi-generational live in suite (in-laws, university aged children, nanny). Bus to GO station right at the corner. Close to major highway arteries, with its east-Oakville location significantly shortening commute times. Within close proximity to shops, gyms, coffee shops, restaurants, day care. With all the premium renovations and updates through the years, this house has been well-loved and maintained and is move in ready for its next family to make their happy home (*Refer to Attached Feature Sheets for Renos/Upgrades)
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13433464
- Bedrooms
- 4 (3 + 1)
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000
- Lot
- 49 × 110 ft
- Cross streets
- Ford and Upper Middle
- Parking
- 2 garage · 4 parking (attached)
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $9,140 / 2026
- Days on market
- 37
- Listing brokerage
- EXP REALTY
Rooms
3 Pc Bath
Stainless Steel Sink
His and Hers Closets
2 Pc Bath
4 Pc Ensuite
Combined w/Office
5 Pc Ensuite
Bar Sink
Listed at $2,030,000, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
Based on 7 similar homes nearby, adjusted for size, beds, and baths.Median of 7 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $2.07M, a close match.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $2.25M
- Bathrooms +$15K
- Adjusts to $2.27M
That comparable adjusts to $2.27M; the $1.94M estimate above is the median of all 7 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, this is a more car-dependent spot, so buyers here typically drive. Transit is limited nearby. Worth weighing if transit access matters to you.
Total price vs nearby homes. Fair value about $1.94M, median of 7 comparables.
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.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled.
- 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.
- Primary suite: a key comfort and resale feature.
- 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 7 active listings nearby.
See all comparable homesThis home lists 4% above the area average of $710/sqft.
31 days longer than the Oakville average (6 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Joshua Creek, Oakville, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Car-DependentA 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.
Almost all errands require a car.
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 18, 2026); conventional rates run a little higher.
Mortgage amount $1,624,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $8,666
- Property tax
- $762
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $9,428
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $37,225
- Estimated closing costs
- $37,225
Plus your down payment of $406,000. 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
- $519,976
- Principal paid down
- $206,817
- Interest paid
- $313,159
- Balance remaining
- $1,417,183
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 EXP REALTY. MLS®/PropTx.