401 Cairncroft Road, Oakville, ON L6J 4M8
Listed by Alex Irish • RE/MAX Escarpment Realty Inc.
401 Cairncroft Road , Oakville, ON L6J 4M8
$ 2,195,000
Bed Rooms
4
Bath Rooms
2
SqFt
1,573
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Year Built
1962
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$1,395
Car Garage
1.0
Open House
Sat Aug 22, 2:00pm - 4:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,573 sqft
MLS Listing ID
40856200
Style
Sidesplit
Bedrooms
4
Full Baths
1
Half Baths
1
Abv Grd Liv Area
1,814
Annual Tax Amount
$9,215
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Halton
Area
1 - Oakville
Zoning
N, RL2-0
Direction
Cornwall Rd to Morrison to Devon Rd to Cairncroft Rd
Rooms
Basement
Full, Partially Finished
Kitchen
1
Interior
Interior Features
Auto Garage Door Remote(s), In-law Capability
Heating
Forced Air, Heat Pump, Oil Forced Air
Cooling
Central Air
Fireplaces Type
Family Room, Wood Burning
Fireplace
Yes
Window Features
Window Coverings
Appliance
Built-in Microwave, Dishwasher, Hot Water Tank Owned, Refrigerator, Stove
Laundry
In Basement
Exterior
Exterior Feature
Lawn Sprinkler System
Parking Features
Attached Garage, Garage Door Opener
Waterfront Description
River/Stream
View Y/N
true
View
Creek/Stream, Trees/Woods
Roof Type
Asphalt Shing
Porch
Deck
Lot Frontage
87.0
Lot Depth
130.0
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Greenbelt, Park, Place of Worship, Schools
Faces
Cornwall Rd to Morrison to Devon Rd to Cairncroft Rd
Foundation
Concrete Block
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
Sidesplit
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Schools
Elementary Schools
New Central Public School
High Schools
Oakville Trafalgar High School
Others
Senior Community
No
Tax ID
247950069
Ownership
Freehold/None
Copyright 2026 Information Technology Systems Ontario, Inc.
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Nearby Locations

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401 Cairncroft Road

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Navjot Singh

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