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$499K · 2 bed Condo Apartment · O'Neill, Oshawa | MyPropertyScout

$499,000

Unit 102

21Vacant

Map

⚡ Insider Deal

Estate Sale

$499,000

D●●○○○DOM17days

Unit 102

120 Elgin Street · Oshawa · Ontario L1G 1S7

MLS® E13416482 · O'Neill · L1G 1S7

21Vacant1000-1199 ft²Condo Apartment1-car Underground17d$454/ft²$3,217 tax/yr

7% above market · regional est. · 17 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Spacious open-spacious condo living, in a highly sought-after building where units rarely come to market. Over 1000 square feet of living space! From the moment you step inside, you'll appreciate the upgraded flooring throughout and the bright, airy layout designed for both relaxation and entertaining. The generous living and dining area provides plenty of room for family dinners or gathering with guests, seamlessly connecting to a huge private balcony with westerly views overlooking the Oshawa…

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Property details

MLS#: E13416482
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 1000-1199
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Hospital, Park, Place Of Worship, Rec./Commun.Centre, Golf, Public Transit

View: City, Clear, Creek/Stream, Garden, Meadow, Park/Greenbelt, Skyline

Condo corp #: 53
Balcony: Open
Locker: None
Association amenities: Game Room, Party Room/Meeting Room, Visitor Parking, Elevator, Bike Storage
Fees include: Parking Included, Heat Included, Water Included, CAC Included, Building Insurance Included, Hydro Included, Common Elements Included, Cable TV Included
Pets: No

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Concrete · Controlled Entry, Landscaped
Fronting on: —
Cross street: Adelaide / Simcoe
Basement: None
Stories: 1
Utilities: —
Laundry: In Building, In Hall, Multiple Locations
Interior: Intercom, Primary Bedroom - Main Floor
Parking features: Underground

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX Jazz INC.

Source: TRREB/PROPTX · MLS® E13416482

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$499K

Unit 102 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,000✓ $3,217 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,670/mo

incl. closing costs (yr 1)

Annual total

$56,035

year 1

Mortgage only

$1,893/mo

principal + interest

Beyond mortgage

$1,780/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$268/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,990/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

Condo / HOA fees (mo)$66/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $22,717/yr

Property taxes17% $9,672/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,990/yr

Condo fees17% $9,497/yr

Closing costs9% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,717	$1,893/mo
Government & taxes
Property tax	$3,217	$268/mo
Land transfer tax(closing)	$6,455	$538/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,990	$416/mo
Condo fees
Condo / HOA fees	$9,497	$791/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	$56,035	$4,670/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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Unit 102

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs