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Listed 11 days ago

108 Division Street

O'Neill, Oshawa

$747,000

Detached|2 1/2 Storey
2 | 2 | 3
About this home

*****LEGAL DUPLEX***** Welcome to this legal 2-unit home offering exceptional income potential or versatile multi-generational living, ideally located just steps from shopping, everyday amenities, and public transit.The main-level unit features a bright eat-in kitchen with a direct walkout to the private back deck and yard, accompanied by a comfortable living room and a spacious main-floor bedroom.The sprawling upper unit spans the top two levels, starting on the second floor with a second eat-in kitchen, a sunlit living room, a dedicated laundry room, and a bedroom equipped with convenient his-and-hers closets. Moving up to the third level, you will find a versatile loft space that functions beautifully as an expansive retreat.Out front, enjoy excellent curb appeal complete with a welcoming front deck and parking for up to 3 vehicles, along with a detached garden shed in the back for extra storage. A turnkey property offering rare versatility and strong rental potential in a prime, walkable location. Main floor is tenant occupied. Upper unit is vacant.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2 1/2 Storey
Approx. AgeNot available
Size1500-2000 sq. ft.
Property Tax$4,553
Lot Size40 ft x 80 ft
mls© NumberE13819914
Listed ByKeller Williams Energy Real Estate

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Schools

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What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$3,823
Property tax
$379
Heat allowance
$150
Housing costs
$4,353 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $149,400
25-yr amortization

Income needed

$134,000

gross annual household income

Payment at 4%
$3,143 / mo
Cash down
$149,400

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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