$720K · 3 bed Detached · McLaughlin, Oshawa

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About this home

Impeccably maintained all-brick bungalow in a highly desirable, family-friendly neighbourhood. Proudly owned and lovingly cared for by the original owners since 1959, this home showcases exceptional pride of ownership throughout. Situated on a generous 54' x 132' lot, the property offers ample outdoor space and endless potential. The bright, functional layout features hardwood flooring beneath the carpeting on the main level, oversized vinyl windows, and a home that has been meticulously maintai…

Property details

MLS#

E13445828

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Block
Other structures: Garden Shed
Property features: Fenced Yard, Hospital, Park, Place Of Worship, Public Transit, School

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 54.33 × 132.87
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: East
Cross street: Annapolis and Gibbons
Basement: Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Private

Level	Room	Dimensions
Main	Living Room	3.49m × 5.28m
Main	Kitchen	3.56m × 4.1m
Main	Primary Bedroom	3.66m × 3.76m
Main	Bedroom 2	2.84m × 3.47m
Main	Bedroom 3	3.03m × 3.38m
Basement	Recreation	3.97m × 7.6m
Basement	Laundry	2.3m × 2.73m

Level

Room

Dimensions

Main

Living Room

3.49m × 5.28m

Main

Kitchen

3.56m × 4.1m

Main

Primary Bedroom

3.66m × 3.76m

Main

Bedroom 2

2.84m × 3.47m

Main

Bedroom 3

3.03m × 3.38m

Basement

Recreation

3.97m × 7.6m

Basement

Laundry

2.3m × 2.73m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $719,900✓ $4,994 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,542/mo

incl. closing costs (yr 1)

Annual total

$66,499

year 1

Mortgage only

$2,731/mo

principal + interest

Beyond mortgage

$1,446/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$143,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$416/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 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%$7,199/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$10,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $32,773/yr

Property taxes24% $15,867/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,199/yr

Closing costs8% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$32,773	$2,731/mo
Government & taxes
Property tax	$4,994	$416/mo
Land transfer tax(closing)	$10,873	$906/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%)	$7,199	$600/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	$66,499	$5,542/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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453 Rosmere Street

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