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1020 - WO West, Oakville
$2,189,900
Welcome to 489 Rebecca Street in one of South West Oakville's most desirable neighbourhoods. Beautifully renovated with a transitional contemporary style, blending timeless character, warm natural finishes, and modern updates throughout, this 3+1 bedroom, 4 bathroom home offers 2,483 square feet plus a finished lower level. The thoughtfully redesigned main floor features engineered hardwood, custom cabinetry, two gas fireplaces, a spacious great room, a main floor den, powder room, mudroom, and an inviting kitchen and dining area designed for everyday living and entertaining.Upstairs, the private bedroom level offers three generous bedrooms, including a serene primary retreat with walk-in closet, a separate sitting room/den, and a spa-inspired 5-piece en suite. The finished lower level adds excellent flexibility with a large rec room/bedroom, 4-piece bathroom, laundry area, storage, and utility/workshop space.The backyard is the showpiece of the property - an award-winning private oasis with extensive stonework, lush landscaping, irrigation, multiple seating areas, two pergolas, natural gas BBQ connection, and a stunning saltwater pool with waterfall feature, hot tub, gas heater, and remote-controlled pool system. A detached two-car garage adds further convenience and has been updated with a new garage door and opener, exterior keypad, reinforced roof structure, and set up for EV charging.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $11,209
- Property tax
- $715
- Heat allowance
- $150
- Housing costs
- $12,074 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$371,000
gross annual household income
- Payment at 4%
- $9,215 / mo
- Cash down
- $437,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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