- Bedrooms
- 4+1
- Bathrooms
- 5
- Size
- 3,000–3,500sq ft
- Per sq ft
- $708at the range’s middle
- Lot
- 295.39 x 286.88 ft
- Tax a year
- $13,2582025 tax year
- Parking
- 213 attached
- Days on market
- Members
The brief
About 3220 Harmony Rd
3220 Harmony Rd is a 4+1-bedroom, 5-bathroom detached house in Rural Oshawa, Oshawa, listed for sale at an asking price of $2,300,000 (MLS® E13846596).
Luxury living with an exceptional income-producing feature! Set on just under 2 acres in one of North Oshawa's most desirable locations, this private executive residence offers more than a beautiful place to call home. Tucked away in a peaceful setting, yet minutes from Highway 407 and major amenities, this beautifully updated home combines convenience, privacy, and timeless elegance. High-end finishes and classic French doors enhance the living spaces throughout. Every bedroom includes a walk-in closet, while the spacious primary suite features a spa-inspired ensuite and dedicated his-and-hers walk-in closets. The versatile lower level is ideally suited for multi-generational living or extended family, offering impressive ceiling heights, a generous recreation area, its own kitchen, a separate entrance, and a residential lift providing direct access to a fully outfitted in-law suite. Heated bathroom floors add another touch of everyday luxury. An expansive attached three-car garage and a separate detached garage provide ample room for vehicles, equipment, hobbies, or a workshop. Professionally landscaped grounds, established perennial gardens, fruit trees, and beautiful views create a serene outdoor retreat. Hundreds of thousands of dollars have been invested in upgrades, including a whole-home generator, tankless on-demand hot water system, water softener, pressure tank, central vacuum with attachments, and an alarm system. The property is also plumbed for irrigation. An extraordinary opportunity to combine executive living, space for extended family, and substantial rental income in a prestigious North Oshawa setting.
Insights
Condition Score
Good73/1001 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall5/100−$8,099/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 9 detached 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
- $13,258 / 2025
- MLS® number
- E13846596
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 3000-3500 sqft
- Lot Size
- 295.39 x 286.88 ft
- Listed on
- Parking
- 3 Attached, 21 Parking
Property details
Property
- Property Type
- Detached
- Style
- 2-Storey
- Community
- Rural Oshawa
- Municipality
- Oshawa
Building
- Size
- 3000-3500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 4+1
- Bathrooms
- 5
- Bathroom Details
- 1 × 4pc 2nd, 1 × 5pc 2nd, 2 × 2pc Ground, 1 × 4pc Bsmt
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Attached
- Garage
- 3
- Additional Parking
- 18
- Total Parking
- 21
Utilities
- Water
- Well
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Septic
- Frontage
- 295.39 ft
- Depth
- 286.88 ft
- Lot Size
- 295.39 x 286.88 ft
Additional
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- S/S Sub-Zero Fridge, B/I Stove, B/I Oven, B/I Dishwasher, Clothes Washer/Dryer, All ELFs
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.5 × 5.07 m | Cathedral Ceiling, Granite Counter, Skylight | Ground |
| Breakfast | 3.4 × 3.0 m | Laminate, W/O To Deck, Pot Lights | Ground |
| Living | 5.2 × 7.8 m | Laminate, Fireplace, Pot Lights | Ground |
| Dining | 6.0 × 5.0 m | Laminate, O/Looks Frontyard, Pot Lights | Ground |
| Family | 5.0 × 5.4 m | Laminate, Fireplace, W/O To Deck | Ground |
| Office | 3.0 × 4.2 m | Laminate, O/Looks Frontyard, Pot Lights | Ground |
| Primary | 4.2 × 6.5 m | Laminate, His/Hers Closets, 4 Pc Ensuite | 2nd |
| 2nd Br | 4.2 × 4.4 m | Laminate, W/I Closet, O/Looks Frontyard | 2nd |
| 3rd Br | 4.0 × 4.3 m | Laminate, W/I Closet, B/I Shelves | 2nd |
| 4th Br | 3.0 × 4.1 m | W/I Closet, O/Looks Frontyard | 2nd |
| Rec | 6.0 × 8.5 m | Laminate, Above Grade Window, Fireplace | Bsmt |
| 5th Br | 4.25 × 4.7 m | Double Closet, Double Closet | Bsmt |
| Foyer | 2.8 × 4.8 m | Laminate, Pot Lights, W/I Closet | Main |
Listing history
Buy/sell history for 3220 Harmony Rd, 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 | $2,300,000 | N/A | For Sale | E13846596 |
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
- $460,000
- Total mortgage amount
- $1,840,000
- Total interest payment
- $1,308,200
- Total purchase cost
- $3,608,200
- Mortgage payment
- $10,494/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
82%Monthly carrying cost
$11,599- Rent $3,500
- Shortfall $8,099
Rental income opens at $3,500, the median asking rent of 9 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
- $43,975
- Total land transfer tax
- $43,975
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $39,975
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 $2,000,000
- $32,000
- 2.5% from $2,000,000 to $2,300,000
- $7,500
- Ontario total
- $43,975
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
- Street frontage
- 295.39 ft90 m
- Depth
- 286.88 ft87.4 m
The record marks this lot irregular, so its area is not the frontage multiplied by the depth. It is not given here. 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
- 5 water-supply wells recorded within 250 mAll were drilled for domestic use; 1 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 19.5 m.250 m
- Groundwater recorded about 11.6 m below ground nearbyThe middle water level in the well records within 500 m (17 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: 6.7 km6.7 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
- No wired internet 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 (40 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, DSL internet listedFibre to the home: Vianet. DSL: Bell. Fixed wireless: Bell, Dash Networks, Rogers, Ruralwave, Vianet, 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 Rural Oshawa right now
- For sale now
- 6
- Median asking price
- $2.9M
- New in 7 days
- 0
- Price cuts
- 33%
Middle half: $2.22M to $3.72M
0 in 28 days
2 listings
This home is asking 21% below the median.
See all homes in Rural OshawaAsking 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
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Anne Catholic Elementary SchoolDurham CDSB | Catholic · grades JK–8 | 2.9 km | 79%Grade 6 average |
| Waaban PSDurham DSB | Public · grades JK–8 | 3.7 km | — |
| Seneca Trail Public SchoolDurham DSB | Public · grades JK–8 | 4.2 km | 76%Grade 6 average |
| École élémentaire Antonine MailletConseil scolaire Viamonde | French-language public · grades JK–8 | 9.9 km | 100%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Cedar Valley SSDurham DSB | Public · grades 9–12 | 3.1 km | — |
| Maxwell Heights Secondary SchoolDurham DSB | Public · grades 9–12 | 4.9 km | 52%Grade 9 math |
| Brooklin High SchoolDurham DSB | Public · grades 9–12 | 7.7 km | 62%Grade 9 math |
| Monsignor Paul Dwyer Catholic High SchoolDurham CDSB | Catholic · grades 9–12 · French Immersion | 8.7 km | 47%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 Rural Oshawa are shown to signed-in members.