39 Culham Street, Oakville, ON
College Park, Oakville · MLS® W13576162
About this home
Beautifully maintained detached home in sought-after College Park, offering 3 bedrooms, 2 full bathrooms, and a large private fully fenced backyard surrounded by mature trees. This move-in-ready home features a renovated eat-in kitchen (2020) with built-in stainless steel appliances and walkout access to the backyard, perfect for everyday living and entertaining. Spacious living and dining areas are filled with natural light from a large bow window and showcase California shutters, Italian 5" hardwood flooring, travertine tile, and smooth ceilings throughout. A dedicated office nook with an additional walkout provides flexibility for working from home. Thoughtfully updated over the years, major improvements include roof shingles (2018), front entry door with sidelight (2020), gas fireplace (2021), bedroom, kitchen and family room windows (2021), backyard perimeter fence (2022), professional landscaping improvements (2023), and patio door (2023). Located in one of Oakville's most established family neighbourhoods, residents enjoy access to highly regarded public and Catholic schools, including French Immersion, International Baccalaureate (IB), and Advanced Placement (AP) programs. Conveniently close to Sheridan College, Oakville GO Station, Oakville Trafalgar Memorial Hospital, Oakville Golf Club, Oakville Place, parks, trails, and major commuter routes. A fantastic opportunity to own a turnkey family home in an exceptional location!
Key facts
- Property type
- Detached, Sidesplit
- MLS®
- W13576162
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1100-1500
- Lot
- 50 × 100 ft
- Cross streets
- Sixth Line and Culham St
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Finished, Full, Walk-Up
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,799 / 2026
- Listing brokerage
- ROYAL LEPAGE BURLOAK REAL ESTATE SERVICES
Rooms
closet · large window · hardwood floor
gas fireplace · brick fireplace · window
tile floor · centre island · stainless steel appl
closet · large window · hardwood floor
his and hers closets · large window · hardwood floor
walk-out · overlooks backyard
3 pc bath · tile floor
bay window · california shutters · hardwood floor
w/o to patio · gas fireplace · hardwood floor
Combined w/Laundry
4 pc bath · tile floor · window
Listing history
- Jun 8, 2026Listed$1,189,000
Price and status history from the listing board. Deemed reliable but not guaranteed.
Listed at $1,138,000, this home is within the range of a wider set of listings, but with few close matches nearby, so worth confirming with a precise CMA. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 14 similar homes nearby, adjusted for size, beds, and baths.Median of 14 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $1.12M, a close match. The comparable range is wide here, so treat this as a rough read until I run a full CMA.
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 $1.23M
- Bedrooms −$30K
- Bathrooms −$30K
- Adjusts to $1.17M
That comparable adjusts to $1.17M; the $1.08M estimate above is the median of all 14 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. Culham St + west of Osborne Crescent is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $1.08M, median of 14 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.
- 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
- 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 5% below the area average of $924/sqft.
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
College Park, Oakville, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
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.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Culham St + west of Osborne Crescent, about 132 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
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 $910,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,858
- Property tax
- $400
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,258
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $19,235
- Estimated closing costs
- $19,235
Plus your down payment of $227,600. 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
- $291,494
- Principal paid down
- $115,940
- Interest paid
- $175,554
- Balance remaining
- $794,460
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 ROYAL LEPAGE BURLOAK REAL ESTATE SERVICES. MLS®/PropTx.