
481 Chartwell Road, Oakville
Oakville
$4,595,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 MILLER REAL ESTATE LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
6
Bathrooms
6
Days on Market
143
Price Drop
None
Year Built
N/A
Status
Active
Basement Income
Legal Suite (+$1,700/mo)
Rent Estimate
Estimated from market price-to-rent ratios
Remarks
Beautifully built and impeccably finished, this custom residence offers more than 6,700 square feet of living space in one of Oakville's most sought-after neighbourhoods. Stone construction, a solid wood entry door, heated garage floors, and timeless architectural detailing set the tone for the quality found throughout the home. Inside, the foyer features heated marble tile, plaster crown mouldings, poplar baseboards, and sightlines that lead into bright, open spaces. A dramatic dining room anchors the main level with a soaring skylight, custom wall panelling, integrated speakers, and carefully curated lighting. The chef's kitchen is designed with extensive custom cabinetry, quartz countertops, a large island, and easy flow to the family room. The servery and mudroom connect seamlessly; each finished with thoughtful storage and heated floors. Upstairs, all four bedrooms are generously scaled and feature private ensuite baths. The primary suite includes a fireplace, custom walk-in closet, and a beautifully coordinated ensuite with heated floors, a freestanding tub, glass shower, and frosted-glass water closet. A full-size laundry room with cabinetry and folding space completes this level. The lower level offers exceptional versatility with radiant in-floor heating, two additional bedrooms, a three-piece bath with sauna, a recreation room with fireplace, a wet bar/kitchen setup, and a dedicated theatre room beneath the back porch. Wide walk-up access brings in natural light and creates an ideal in-law or extended-family space. Outdoors, the large stone terrace features a gas fireplace and outdoor kitchen with built-in BBQ, extending the home's entertaining potential. Motorized blinds, CAT-6 wiring, solid core doors, and an oak staircase with glass panels highlight the home's elevated craftsmanship. With top-ranked schools, shopping, GO access, and major highways nearby, this is a quality home in a prime location.
MississaugaInvestor.ca
481 Chartwell Road
Detached · 6bd/6ba · ~4,250 sqft
$4,595,000
Cash-Flow Report · July 31, 2026
Cap Rate
0.72%
Monthly Cash Flow
-$18,407/mo
Estimated Rent
$10,500/mo
Cash-on-Cash
-21.58%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$10,500 |
| Mortgage | −$21,150 |
| Property Tax | −$3,178 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$3,829 |
| Vacancy (5%) | −$525 |
| Cash Flow | -$18,407/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$126,000 |
| Vacancy (5%) | −$6,300 |
| Property Tax | −$38,139 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$45,950 |
| Annual NOI | $32,911 |
| Cap Rate | 0.72% |
Cash Required to Close
| Down Payment (20%) | $919,000 |
| Ontario Land Transfer Tax | $101,350 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $1,023,350 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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