- Bedrooms
- 3+2
- Bathrooms
- 3
- Size
- 1,100–1,500sq ft
- Per sq ft
- $530at the range’s middle
- Lot
- 28.16 x 148.89 ft
- Tax a year
- $4,4212025 tax year
- Parking
- 4none
- Days on market
- Members
The brief
About 322 Fernwood Ave
322 Fernwood Ave is a 3+2-bedroom, 3-bathroom semi-detached house in O'Neill, Oshawa, listed for sale at an asking price of $689,000 (MLS® E13714196).
**Welcome to this Fully Renovated North Oshawa Home!** This exceptional freehold semi-detached backsplit has been completely renovated from top to bottom and offers the rare combination of **modern living, flexible multi-generational space, and excellent income potential**. Whether you are a first-time buyer looking to offset your mortgage, a growing or multi-generational family seeking separate living spaces, or an investor looking for a turn-key property, this home is ready to impress!The bright and inviting upper level features an **open-concept living area, 2 spacious bedrooms, and 2 beautifully renovated washrooms**. The brand-new kitchen showcases contemporary cabinetry, countertops and new appliances, creating a stylish and functional space for everyday living and entertaining. The fully finished lower-level suite, complete with a **separate entrance**, offers incredible flexibility with its own **brand-new kitchen, large living area, 2 bedrooms, brand-new 3-piece bathroom and separate laundry**. Ideal for extended family, guests, or potential rental income.No detail has been overlooked! The home features **brand-new flooring throughout, fresh paint, new interior fittings and fixtures, completely renovated kitchens and washrooms, and brand-new central A/C**. Both kitchens are equipped for comfortable independent living. Included are **2 washers, 2 dryers, 2 brand-new refrigerators, 1 gas stove in the upper kitchen, 1 electric stove in the lower kitchen, and 1 dishwasher**.Enjoy the outdoors in the **fully fenced backyard**, offering plenty of room for children, pets, summer gatherings and relaxation. Located in a desirable **North Oshawa neighborhood**, close to **highways, public transit, schools, shopping and everyday amenities**, this move-in-ready home offers exceptional versatility and convenience.**A rare opportunity to own a beautifully renovated home with two self-contained living spaces and tremendous flexibility! Nothing to do but move in and enjoy.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even45/100−$512/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 14 homes with 5 bedrooms for lease in Oshawa right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,421 / 2025
- MLS® number
- E13714196
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 28.16 x 148.89 ft
- Listed on
- Parking
- None, 4 Parking
Property details
Property
- Property Type
- Semi-Detached
- Style
- Backsplit 4
- Community
- O'Neill
- Municipality
- Oshawa
Building
- Size
- 1100-1500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3+2
- Bathrooms
- 3
- Bathroom Details
- 1 × 2pc Main, 1 × 3pc In Betwn, 1 × 4pc Upper
- Basement Type
- Separate Entrance
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 4
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 28.16 ft
- Depth
- 148.89 ft
- Lot Size
- 28.16 x 148.89 ft
Additional
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Brand new 2 Refrigerators, 1 Gas stove, 1 electric stove, A/c. Also comes with 2 washers, 2 dryers, all existing light fixtures, window coverings, and a storage shed.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 0.0 × 0.0 m | Laminate, Large Window | Main |
| Kitchen | 0.0 × 0.0 m | B/I Appliances, Open Concept | Main |
| Laundry | 0.0 × 0.0 m | Enclosed | Main |
| Powder Rm | 0.0 × 0.0 m | 2 Pc Bath | Main |
| Primary | 0.0 × 0.0 m | Laminate, Large Closet, Window | Upper |
| 2nd Br | 0.0 × 0.0 m | Laminate, Closet, Window | Upper |
| Bathroom | 0.0 × 0.0 m | 4 Pc Bath | Upper |
| Family | 0.0 × 0.0 m | Laminate, Large Window | In Betwn |
| Kitchen | 0.0 × 0.0 m | Ceramic Floor, Window | In Betwn |
| Bathroom | 0.0 × 0.0 m | 3 Pc Bath | In Betwn |
| Br | 0.0 × 0.0 m | Laminate | Bsmt |
| Br | 0.0 × 0.0 m | Laminate | Bsmt |
| Laundry | 0.0 × 0.0 m | Enclosed | Bsmt |
Listing history
Buy/sell history for 322 Fernwood Ave, Oshawa, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $689,000 | N/A | For Sale | E13714196 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $137,800
- Total mortgage amount
- $551,200
- Total interest payment
- $392,000
- Total purchase cost
- $1,081,000
- Mortgage payment
- $3,144/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
33%Monthly carrying cost
$3,512- Rent $3,000
- Shortfall $512
Rental income opens at $3,000, the median asking rent of 14 comparable homes for lease in Oshawa. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $10,255
- Total land transfer tax
- $10,255
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $6,255
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $689,000
- $5,780
- Ontario total
- $10,255
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 4,193 sq ft390 m²
- Street frontage
- 28.16 ft8.6 m
- Depth
- 148.89 ft45.4 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m1 test or monitoring hole also recorded.250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 2.1 km2.1 km
Province of Ontario open data
Around the home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaOnly facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Oshawa PUC Networks Inc.At the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, NFTC, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Dash Networks, Rogers, Ruralwave, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Central Lake Ontario Conservationor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Market area · filters apply to the charts below
The street
Map and tour
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Hillsdale Public SchoolDurham DSB | Public · grades JK–8 | 300 m | 49%Grade 6 average |
| Walter E Harris Public SchoolDurham DSB | Public · grades JK–8 · French Immersion | 350 m | 81%Grade 6 average |
| Sir Albert Love Catholic SchoolDurham CDSB | Catholic · grades JK–8 | 850 m | 69%Grade 6 average |
| École élémentaire Antonine MailletConseil scolaire Viamonde | French-language public · grades JK–8 | 2.9 km | 100%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| O'Neill Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 1 km | 49%Grade 9 math |
| Eastdale Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 1.8 km | 35%Grade 9 math |
| Monsignor Paul Dwyer Catholic High SchoolDurham CDSB | Catholic · grades 9–12 · French Immersion | 2.8 km | 47%Grade 9 math |
| ÉSC Saint-Charles-GarnierConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 8 km | 67%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in O'Neill are shown to signed-in members.