304-120 Elgin St
O'Neill, Oshawa, Ontario L1G 1S7
- Bedrooms
- 2
- Bathrooms
- 1
- Size
- 1,000–1,199sq ft
- Per sq ft
- $382at the range’s middle
- Tax a year
- $3,3712026 tax year
- Parking
- 11 underground
- Days on market
- Members
The brief
About 304-120 Elgin St
304-120 Elgin St is a 2-bedroom, 1-bathroom condo in O'Neill, Oshawa, listed for sale at an asking price of $419,900 (MLS® E14119754).
Bright and tidy Kassinger built 2 bedroom corner unit in a quiet, secure, community driven building! This spacious and sunny unit features no neighbours on one side, sunrise views from the large windows, and a large private balcony. Lots of storage, including a pantry closet, an oversized multi-purpose closet, and a walk-in closet in the primary bedroom. Updated bathroom with granite counters and walk-in shower. Protect yourself and your vehicle from the elements with the convenience of underground parking. Walkers will enjoy being steps to trails, botanical gardens, the Oshawa Golf Course, historic Parkwood Estates, and Lakeridge Health for your medical appointments. The building and grounds are meticulously maintained, with a beautiful lobby and fully equipped party room when extra space is needed. Minutes to the highway, and transit at your door step. Affordable maintenance fees include all utilities, cable television. See the virtual tour for a video walk through.
Insights
Condition Score
Good71/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall32/100−$884/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 24 homes with 2 bedrooms for lease in O'Neill right now. Cost of owning counts the mortgage, property tax and the condo fee.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $3,371 / 2026
- MLS® number
- E14119754
- Board
- TRREB MLS®
- Property Type
- Condo Apt
- Days on market
- Size
- 1000-1199 sqft
- Listed on
- Parking
- 1 Underground, 1 Parking
Property details
Property
- Property Type
- Condo Apt
- Style
- Apartment
- Community
- O'Neill
- Municipality
- Oshawa
Building
- Size
- 1000-1199 sqft
- Construction
- Concrete
Inside
- Bedrooms
- 2
- Bathrooms
- 1
- Bathroom Details
- 1 × 3pc
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Underground
- Garage
- 1
- Additional Parking
- 0
- Total Parking
- 1
Utilities
- Cooling
- Wall Unit
- Heating Type
- Heat Pump
Additional
- Fireplace
- No
- Den
- No
- Family room
- No
- Extras
- All existing kitchen appliances (working but "as is"), electric light fixtures/ceiling fans, blinds.
- Condo maint.
- $912
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 2.43 × 3.36 m | Pantry | Main |
| Living | 3.7 × 5.79 m | Open Concept, Large Window, Linen Closet | Main |
| Dining | 2.5 × 4.0 m | Open Concept, W/O To Balcony | Main |
| Primary | 3.14 × 5.03 m | W/I Closet | Main |
| 2nd Br | 2.92 × 3.45 m | — | Main |
Listing history
Buy/sell history for 304-120 Elgin 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 | $419,900 | N/A | For Sale | E14119754 |
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
- $83,980
- Total mortgage amount
- $335,920
- Total interest payment
- $238,880
- Total purchase cost
- $658,780
- Mortgage payment
- $1,916/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
57%Monthly carrying cost
$3,109- Rent $2,225
- Shortfall $884
Rental income opens at $2,225, the median asking rent of 24 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
- $4,873
- Total land transfer tax
- $4,873
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $873
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 $419,900
- $398
- Ontario total
- $4,873
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
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
- 1 water-supply well recorded within 250 m1 test or monitoring hole also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 5.5 m.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 CanadaThe nearest is General Motors of Canada Company — Oshawa Assembly Plant, 3.0 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 2 federal contaminated sites 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 30 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (30 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.30 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
Condos for sale in O'Neill right now
- For sale now
- 8
- Median asking price
- $389K
- New in 7 days
- 0
- Price cuts
- 25%
Middle half: $370K to $447K
5 in 28 days
2 listings
This home is asking 8% above the median.
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
Map and tour
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Durham College Oshawa GO | GO Transit train: Lakeshore East | 3.6 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 |
|---|---|---|---|
| S A Cawker Public SchoolDurham DSB | Public · grades JK–8 | 550 m | 72%Grade 6 average |
| Mary Street Community SchoolDurham DSB | Public · grades JK–8 | 650 m | 76%Grade 6 average |
| St Christopher Catholic SchoolDurham CDSB | Catholic · grades JK–8 · French Immersion | 1.1 km | 65%Grade 6 average |
| École élémentaire Antonine MailletConseil scolaire Viamonde | French-language public · grades JK–8 | 1.6 km | 100%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| O'Neill Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 550 m | 49%Grade 9 math |
| R S Mclaughlin Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 · French Immersion | 1.7 km | 53%Grade 9 math |
| Monsignor Paul Dwyer Catholic High SchoolDurham CDSB | Catholic · grades 9–12 · French Immersion | 2.1 km | 47%Grade 9 math |
| ÉSC Saint-Charles-GarnierConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 7.2 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.