108 Division St
O'Neill, Oshawa, Ontario L1G 5M1
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 1,500–2,000sq ft
- Per sq ft
- $427at the range’s middle
- Lot
- 40 x 80 ft
- Tax a year
- $4,5532026 tax year
- Parking
- 3none
- Days on market
- Members
The brief
About 108 Division St
108 Division St is a 2-bedroom, 2-bathroom detached house in O'Neill, Oshawa, listed for sale at an asking price of $747,000 (MLS® E13819914).
*****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.
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall22/100−$1,437/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 7 detached homes with 2 bedrooms for lease in O'Neill right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $4,553 / 2026
- MLS® number
- E13819914
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 40 x 80 ft
- Listed on
- Parking
- None, 3 Parking
Property details
Property
- Property Type
- Detached
- Style
- 2 1/2 Storey
- Community
- O'Neill
- Municipality
- Oshawa
Building
- Size
- 1500-2000 sqft
- Construction
- Brick
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc 2nd
- Basement Type
- Full
- Kitchens
- 2
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 40 ft
- Depth
- 80 ft
- Lot Size
- 40 x 80 ft
Additional
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Main floor Unit: Stove, Microwave, Fridge. Upper Unit: Clothes Washer, Clothes Dryer, Stove, Microwave, Fridge. Garden Shed.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.233 × 3.527 m | Laminate, W/O To Deck, Eat-In Kitchen | Main |
| Living | 3.42 × 4.606 m | hardwood floor, Window, Pot Lights | Main |
| Br | 3.568 × 3.816 m | hardwood floor, Window | Main |
| Kitchen | 3.209 × 3.488 m | Laminate, Window | 2nd |
| Living | 3.449 × 4.266 m | Laminate, Window | 2nd |
| Br | 3.43 × 3.508 m | Laminate, Window, His/Hers Closets | 2nd |
| Laundry | 2.346 × 2.35 m | Laminate, Window | 2nd |
| Loft | 3.324 × 6.764 m | Laminate, Window, Double Closet | 3rd |
Listing history
Buy/sell history for 108 Division St, 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 | $747,000 | N/A | For Sale | E13819914 |
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
- $149,400
- Total mortgage amount
- $597,600
- Total interest payment
- $424,800
- Total purchase cost
- $1,171,800
- Mortgage payment
- $3,408/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
54%Monthly carrying cost
$3,787- Rent $2,350
- Shortfall $1,437
Rental income opens at $2,350, the median asking rent of 7 comparable homes for lease in O'Neill. 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
- $11,415
- Total land transfer tax
- $11,415
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $7,415
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 $747,000
- $6,940
- Ontario total
- $11,415
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
- 3,200 sq ft297 m²
- Street frontage
- 40 ft12.2 m
- Depth
- 80 ft24.4 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.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m97 test or monitoring holes also recorded.250 m
- Groundwater recorded about 6.6 m below ground nearbyThe middle water level in the well records within 500 m (351 records). It changes with the season and from spot to spot.500 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: 2.7 km2.7 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 CanadaThe nearest is A.G. Simpson Automotive Inc. — OSHAWA PLANT, 3.0 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 1 federal contaminated site within 1 kmAll of them are closed. The federal inventory covers federal land only, not 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 a household 110 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (110 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.110 m
- 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
Detached homes for sale in O'Neill right now
- For sale now
- 43
- Median asking price
- $680K
- New in 7 days
- 8
- Price cuts
- 12%
Middle half: $592K to $724K
25 in 28 days
5 listings
This home is asking 10% above the median, higher than three quarters of them.
See all homes in O'NeillAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Durham College Oshawa GO | GO Transit train: Lakeshore East | 4 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Mary Street Community SchoolDurham DSB | Public · grades JK–8 | 350 m | 76%Grade 6 average |
| S A Cawker Public SchoolDurham DSB | Public · grades JK–8 | 750 m | 72%Grade 6 average |
| Sir Albert Love Catholic SchoolDurham CDSB | Catholic · grades JK–8 | 1.5 km | 69%Grade 6 average |
| ÉÉC Corpus-ChristiConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 2.4 km | 76%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| O'Neill Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 750 m | 49%Grade 9 math |
| Eastdale Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 2.1 km | 35%Grade 9 math |
| Monsignor John Pereyma Catholic Secondary SchoolDurham CDSB | Catholic · grades 9–12 | 2.7 km | 38%Grade 9 math |
| ÉSC Saint-Charles-GarnierConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 8.1 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
Similar Active Listings
Recently sold nearby
Sold prices in O'Neill are shown to signed-in members.