$1.23M · 4+1 bed Detached · Centennial, Oshawa

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About this home

Welcome to 128 Marica Ave, a rare opportunity to own a distinctive bungalow backing onto a breathtaking wooded ravine in one of Oshawa's most sought-after neighbourhoods. Nestled on a quiet, mature street, this spacious 4+1 bedroom, 4 bathroom home offers the perfect blend of privacy, comfort, and natural beauty. Featuring a classic, functional layout with bright principal rooms, large windows, and a modern kitchen, this home is designed for both everyday living and effortless entertaining.…

Property details

MLS#

E13447746

Status

Buy Now

Beds

4+1

Baths

4 full, 0 half

Size

2500-3000

Style

Bungalow

Type

Detached

Year built

—

Roof: Other
Foundation: Concrete
Property features: Ravine, River/Stream, Wooded/Treed

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 76.65 × 128.72
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Stone
Fronting on: North
Cross street: Simcoe St N. & Beatrice St E.
Basement: Finished with Walk-Out
Stories: —
Utilities: —
Laundry: —
Interior: Central Vacuum, Primary Bedroom - Main Floor
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Dining Room	3.5m × 5.54m
Main	Family Room	4.96m × 6.07m
Main	Kitchen	3.38m × 6.12m
Main	Laundry	2.21m × 2.54m
Main	Primary Bedroom	4.78m × 5.14m
Main	Bedroom 2	3.71m × 4.39m
Main	Bedroom 3	3.21m × 4.78m
Main	Bedroom 4	3.49m × 4.78m
Basement	Living Room	4.84m × 9.54m
Basement	Recreation	4.43m × 9.11m
Basement	Bedroom 5	2.89m × 4.81m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,225,000✓ $10,168 tax✓ Gas✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,269/mo

incl. closing costs (yr 1)

Annual total

$111,230

year 1

Mortgage only

$4,647/mo

principal + interest

Beyond mortgage

$2,416/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$245,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$847/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/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%$12,250/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$20,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $55,767/yr

Property taxes28% $31,143/yr

Utilities5% $5,370/yr

Insurance & security1% $1,600/yr

Maintenance11% $12,250/yr

Closing costs5% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$55,767	$4,647/mo
Government & taxes
Property tax	$10,168	$847/mo
Land transfer tax(closing)	$20,975	$1,748/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$12,250	$1,021/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	$111,230	$9,269/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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128 Marica Avenue

About this home

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Property details

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Rooms

Sales History

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Annual costs