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$429,900
DOM8days55 Speers Road · Oakville · Ontario L5K 3R6
8 days on market
Welcome to this bright and spacious 586 sq ft open-concept one-bedroom condo in the sought-after Rain & Senses building, ideally located in South Central Oakville. Just steps to the lake and minutes to vibrant Downtown Oakville and Kerr Village, this unit offers the perfect blend of urban convenience and lakeside lifestyle.Enjoy not one but two private balconies - one off the family room and one off the bedroom - perfect for morning coffee or unwinding after a long day. The modern kitchen featur…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: ROYAL LEPAGE REAL ESTATE SERVICES LTD.
Source: TRREB/PROPTX · MLS® W14083868
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $19,571 | $1,631/mo |
| Government & taxes | ||
| Property tax | $2,360 | $197/mo |
| Land transfer tax(closing) | $5,073 | $423/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Gas | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $4,299 | $358/mo |
| Condo fees | ||
| Condo / HOA fees | $6,358 | $530/mo |
| Closing costs (one-time) | ||
| Legal / lawyer(closing) | $2,500 | $208/mo |
| Home inspection(closing) | $600 | $50/mo |
| Moving costs(closing) | $2,000 | $167/mo |
| Total | $48,321 | $4,027/mo |
Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.