$539K · 2 bed Condo Townhouse · Windfields, Oshawa

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About this home

* 3D Tour Available * Modern 2 Bedroom, 3 Bathroom Townhome in North Oshawa's Sought-After Windfields Community * Built By Minto * Bright Open-Concept Layout Featuring S/S Appliances, W/O To Spacious Private Terrace & Upper Level Laundry * Both Bedrooms Feature Ensuite Bathrooms * Primary Bedroom With His & Hers Closets * Registered Class A Rental With The City Of Oshawa Until 2028 * Fantastic Opportunity For First-Time Buyers, Families & Investors * Conveniently Located Near Shopping Such As Co…

Property details

MLS#

E13423810

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

Condo corp #: 307
Balcony: Terrace
Locker: None
Association amenities: BBQs Allowed, Visitor Parking
Fees include: Building Insurance Included, Parking Included, CAC Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Simcoe St N & Windfields Farm Dr E
Basement: None
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Air Exchanger, Auto Garage Door Remote
Parking features: None

Level	Room	Dimensions
Main	Living Room	3.44m × 4.88m
Main	Kitchen	2.44m × 2.93m
Main	Dining Room	3.26m × 3.35m
Second	Primary Bedroom	3.26m × 3.99m
Second	Bedroom 2	3.57m × 4.18m

Level

Room

Dimensions

Main

Living Room

3.44m × 4.88m

Main

Kitchen

2.44m × 2.93m

Main

Dining Room

3.26m × 3.35m

Second

Primary Bedroom

3.26m × 3.99m

Second

Bedroom 2

3.57m × 4.18m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $539,000✓ $5,778 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,855/mo

incl. closing costs (yr 1)

Annual total

$58,255

year 1

Mortgage only

$2,045/mo

principal + interest

Beyond mortgage

$1,747/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$107,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$482/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/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%$5,390/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)$32/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $24,538/yr

Property taxes22% $13,033/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,390/yr

Condo fees8% $4,634/yr

Closing costs9% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,538	$2,045/mo
Government & taxes
Property tax	$5,778	$482/mo
Land transfer tax(closing)	$7,255	$605/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,390	$449/mo
Condo fees
Condo / HOA fees	$4,634	$386/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	$58,255	$4,855/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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