437 Cairncroft Road, Oakville, ON
Morrison, Oakville · MLS® W13445698
About this home
Positioned on a rare 0.8-acre ravine lot in one of Southeast Oakville's most coveted neighbourhoods, this exceptional residence makes an immediate impression with its stately curb appeal and beautifully landscaped grounds. Framed by mature trees and offering exceptional privacy, the home presents a refined presence that blends seamlessly with its lush, natural surroundings. Inside, 7,000 sq. ft. of elegantly finished living space unfolds. A grand foyer sets the tone, complemented by rich hardwood flooring and soaring ceilings throughout. The home offers four spacious bedrooms, each with its own private ensuite, along with premium appliances and a custom wine cellar. A separate side entrance adds flexibility, providing a private access point with direct entry to the lower level. Designed for both elegant entertaining and relaxed everyday living, the backyard is a private resort-style retreat. A saltwater inground pool, expansive stone patio, and uninterrupted ravine views create a setting that feels more Muskoka than city. Ideally located within walking distance of Oakville's top-ranked schools and minutes from premier amenities, this home offers a rare combination of estate-scale land, striking curb appeal, and unmatched privacy in a prime urban location. Well maintained with extensive upgrades, it reflects true pride of ownership throughout.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13445698
- Bedrooms
- 4
- Bathrooms
- 6 (2 half)
- Size
- 3500-5000
- Lot
- 165 × 169 ft
- Cross streets
- Cairncroft Rd/Cumnock Cres
- Parking
- 2 garage · 8 parking (attached)
- Driveway
- Private Double
- Basement
- Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $19,019 / 2026
- Days on market
- 33
- Listing brokerage
- RE/MAX ABOUTOWNE REALTY CORP.
Rooms
Listed at $4,450,000, this home is about 10% below comparable homes, worth a close look. The number above is my independent estimate of value, not the asking price.
Based on 15 similar homes nearby, adjusted for size, beds, and baths.Median of 15 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $4.14M, a bit lower.
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 $6.25M
- Bedrooms −$30K
- Bathrooms −$15K
- Adjusts to $6.21M
That comparable adjusts to $6.21M; the $4.96M estimate above is the median of all 15 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 $4.96M, median of 15 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.
- Ravine lot: privacy and premium value, but confirm the buildable area and any conservation limits.
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- 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.
- Worth verifying
- Weigh carefully
- 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 active listings nearby.
See all comparable homesThis home lists 18% below the area average of $1,281/sqft.
27 days longer than the Oakville average (6 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Morrison, 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 $3,560,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $18,997
- Property tax
- $1,585
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $20,582
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $97,725
- Estimated closing costs
- $97,725
Plus your down payment of $890,000. 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
- $1,139,849
- Principal paid down
- $453,367
- Interest paid
- $686,482
- Balance remaining
- $3,106,633
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 ABOUTOWNE REALTY CORP.. MLS®/PropTx.