$899K · 3+3 bed Detached · Stevenson, Oshawa

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About this home

TURN KEY Property with endless possibilities for INVESTORS, 1ST TIME buyers & UPGRADE from condo (fees) to Freehold. Recently Renovated 3+3 Bedroom with 2 Kitchens & Separate entrance. High Rental Income-very less monthly Mortgage payments. Located in heart of Oshawa North. Just 2km from Trent University. Potential Tenant available year around.Massive 71.83 X 110 Ft Lot with TWO Private Driveway, TOTAL 9 parking spot. Enjoy detached garage & huge backyard perfect for entertaining or family fun.…

Property details

MLS#

E13411922

Status

Buy Now

Beds

3+3

Baths

2 full, 0 half

Size

1100-1500

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle, Shingles
Foundation: Block, Brick, Concrete, Concrete Block, Insulated Concrete Form, Poured Concrete
Other structures: Fence - Full, Garden Shed, Storage
Property features: Park, Public Transit, Rec./Commun.Centre, School, Clear View, Fenced Yard

View: Downtown

Shoreline: Other

Garage: 1-car Attached
Garage spaces: 1
Parking: 9 total
Lot: 71.83 × 110
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Brick · Backs On Green Belt, Deck, Landscape Lighting, Landscaped, Lighting, Paved Yard, Privacy, Year Round Living
Fronting on: North
Cross street: Stevenson / Adelaide
Basement: Apartment, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, Auto Garage Door Remote, Carpet Free, Water Meter
Parking features: Available, Private, Private Double

Rooms

Level	Room	Dimensions
Main	Kitchen	3.23m × 7.04m
Main	Living Room	3.76m × 6.3m
Main	Dining Room	2.67m × 3.73m
Main	Primary Bedroom	4.11m × 4.09m
Main	Bedroom 2	5.03m × 4.75m
Main	Bedroom 3	2.82m × 3.25m
Basement	Recreation	13.87m × 12.6m
Basement	Bedroom	3.18m × 4.27m
Basement	Bedroom	2.89m × 3.45m
Basement	—	2.47m × 3.15m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $899,000✓ $5,277 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,708/mo

incl. closing costs (yr 1)

Annual total

$80,501

year 1

Mortgage only

$3,411/mo

principal + interest

Beyond mortgage

$1,635/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$179,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$440/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$8,990/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$14,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $40,926/yr

Property taxes25% $19,732/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,990/yr

Closing costs6% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$40,926	$3,411/mo
Government & taxes
Property tax	$5,277	$440/mo
Land transfer tax(closing)	$14,455	$1,205/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,990	$749/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	$80,501	$6,708/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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544 Adelaide Avenue

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Annual costs