$440K · 2 bed Condo Townhouse · Centennial, Oshawa

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About this home

NORTH OSHAWA GEM! Discover the perfect blend of comfort, convenience, and standard with style in this bright, north-facing 2-storey townhome located in the highly desirable Centennial community. This home features 2 Large size bedrooms with large closets, nice and clean 4piece bath. Enjoy effortless daily living with a private, fully fenced backyard and parking right at your doorstep! The fully finished basement boasts a second 3-piece bathroom-ideal for an in-law suite, youth retreat, or versat…

Property details

MLS#

E13419336

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

800-899

Style

2-Storey

Type

Condo Townhouse

Year built

—

Roof: Asphalt Rolled
Foundation: Concrete

Condo corp #: 18
Balcony: None
Locker: None
Fees include: Heat Included, Common Elements Included, Hydro Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: None
Fireplaces: —
Waterfront: No
Exterior: Brick · Controlled Entry, Landscaped, Patio, Paved Yard, Security Gate
Fronting on: —
Cross street: Taunton/Simcoe
Basement: Finished
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Other
Parking features: Surface

Level	Room	Dimensions
Main	Kitchen	2.94m × 5.64m
Main	Living Room	5.4m × 7.51m
Upper	Primary Bedroom	5.13m × 7m
Upper	Bedroom 2	4.57m × 5.64m
Basement	Recreation	3.68m × 7.51m

Level

Room

Dimensions

Main

Kitchen

2.94m × 5.64m

Main

Living Room

5.4m × 7.51m

Upper

Primary Bedroom

5.13m × 7m

Upper

Bedroom 2

4.57m × 5.64m

Basement

Recreation

3.68m × 7.51m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $440,000✓ $2,348 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,225/mo

incl. closing costs (yr 1)

Annual total

$50,696

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$1,658/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$88,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$196/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 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%$4,400/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$5,275

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $20,031/yr

Property taxes15% $7,623/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,400/yr

Condo fees19% $9,482/yr

Closing costs10% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,031	$1,669/mo
Government & taxes
Property tax	$2,348	$196/mo
Land transfer tax(closing)	$5,275	$440/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%)	$4,400	$367/mo
Condo fees
Condo / HOA fees	$9,482	$790/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	$50,696	$4,225/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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