1098 Lakeshore Road, Oakville, ON
Southwest, Oakville · MLS® W13520422
About this home
Set on a rare and private 1/2+ acre estate lot in one of South West Oakville's most coveted lakeside neighbourhoods, this stunning custom designed home offers over 6,500 sq. ft. of luxurious living space just steps from Lake Ontario and within minutes to esteemed Appleby College. Thoughtfully designed for both everyday living and grand-scale entertaining, the home features 10' ceilings on the main level, 9' ceilings on the upper and lower levels, extensive custom millwork, rich hardwood flooring, and exceptional craftsmanship throughout. The Hampton-inspired custom kitchen and butler's pantry serve as the heart of the home, complemented by luxurious ensuite bathrooms and high-end finishes at every turn. The main floor primary retreat offers the convenience of single-level living, complete with a custom walk-in closet, spa-inspired 5-piece ensuite, gas fireplace, and serene backyard views. The fully finished lower level is ideal for multigenerational living, featuring a second kitchen, two additional bedrooms, a gym, wet bar, games area, and expansive recreation room. Step outside to your own private resort, where mature landscaping surrounds a saltwater pool, waterfall feature, and covered outdoor living area. A truly exceptional opportunity to own a custom estate property on one of Oakville's most prestigious streets, surrounded by luxury homes, steps to the lake, and moments to top-ranked schools, parks, and downtown Oakville. Some opportunities are measured in sq footage, others are measured in land, location and the life you'll build there. 1098 Lakeshore Rd is not to be missed.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W13520422
- Bedrooms
- 5 (3 + 2)
- Bathrooms
- 5 (1 half)
- Size
- 3500-5000
- Lot
- 187 × 185 ft
- Cross streets
- Lakeshore & Wilder
- Parking
- 2 garage · 8 parking (attached)
- Basement
- Full, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stucco (Plaster)
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Pool
- Inground, Salt
- Property tax
- $21,640 / 2026
- Days on market
- 14
- Listing brokerage
- THE AGENCY
Listed at $4,650,000, this home is about 18% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
Based on 8 similar homes nearby, adjusted for size, beds, and baths.Median of 8 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $4.37M, a bit higher.
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 $4.89M
- Bedrooms +$30K
- Adjusts to $4.92M
That comparable adjusts to $4.92M; the $3.93M estimate above is the median of all 8 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, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Rebecca St. + Maplehurst Ave. is about a 5-minute walk away.
Total price vs nearby homes. Fair value about $3.93M, median of 8 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- 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.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Weigh carefully
- Worth verifying
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 4 closest active listings nearby.
See all comparable homesThis home lists 13% above the area average of $964/sqft.
9 days longer than the Oakville average (5 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Southwest, Oakville, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Somewhat 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.
Some errands on foot, but most trips need a car.
🚉 Nearest transit: Rebecca St. + Maplehurst Ave., about 396 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 $3,720,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $19,851
- Property tax
- $1,803
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $21,655
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $102,725
- Estimated closing costs
- $102,725
Plus your down payment of $930,000. 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
- $1,191,078
- Principal paid down
- $473,743
- Interest paid
- $717,335
- Balance remaining
- $3,246,257
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 THE AGENCY. MLS®/PropTx.