$1.19M · 6+1 bed Detached · O'Neill, Oshawa

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About this home

Welcome to 452 Simcoe Street North, a truly unique property offering character, flexibility, and an unbeatable location in one of Oshawa's most established neighbourhoods. Backing directly onto Alexander Park with private rear access to the playground, this home combines urban convenience with a peaceful park side setting. Enjoy spectacular sunset views from the expansive rear deck featuring eight skylights, creating the perfect space for entertaining or unwinding at the end of the day. Inside,…

Property details

MLS#

E13246790

Status

Buy Now

Beds

6+1

Baths

5 full, 0 half

Size

3000-3500

Style

3-Storey

Type

Detached

Year built

—

Roof: Shake
Foundation: Concrete

Fireplace features: Natural Gas

Garage: 2-car Detached
Garage spaces: 2
Parking: 10 total
Lot: 74.77 × 173.08
Heating: Water
Heating fuel: Gas
Cooling: Wall Unit(s)
Pool: No
Waterfront: No
Exterior: Stucco (Plaster)
Fronting on: West
Cross street: Simcoe St N & Hillcroft St
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Kitchen	4.07m × 5.5m
Main	Dining Room	4.67m × 4.65m
Main	Living Room	4.17m × 8.3m
Second	Primary Bedroom	5.13m × 9.91m
Second	Sitting	5.13m × 9.91m
Second	Office	2.2m × 3.82m
Second	Bedroom 2	3.15m × 4.4m
Second	Bedroom 3	3.8m × 4.75m
Third	Bedroom 4	3.59m × 4.04m
Third	Bedroom 5	2.81m × 4.74m
Third	Bedroom	3.23m × 4.57m
Basement	Recreation	3.98m × 5.86m
Basement	Bedroom	3.13m × 3.66m
Basement	Office	2.48m × 2.78m
Basement	Laundry	4.63m × 5.11m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,190,000✓ $9,254 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,008/mo

incl. closing costs (yr 1)

Annual total

$108,092

year 1

Mortgage only

$4,514/mo

principal + interest

Beyond mortgage

$2,345/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$238,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$771/mo

Utilities

Hydro / electricity$228/mo

≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$11,900/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$20,275

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $54,174/yr

Property taxes27% $29,529/yr

Utilities5% $5,790/yr

Insurance & security1% $1,600/yr

Maintenance11% $11,900/yr

Closing costs5% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$54,174	$4,514/mo
Government & taxes
Property tax	$9,254	$771/mo
Land transfer tax(closing)	$20,275	$1,690/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$11,900	$992/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	$108,092	$9,008/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.

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452 Simcoe Street

About this home

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Property details

Additional listing data

Rooms

Sales History

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Annual costs