- Bedrooms
- 3+1
- Bathrooms
- 2
- Size
- 700–1,100sq ft
- Per sq ft
- $804at the range’s middle
- Lot
- 46 x 106.5 ft
- Tax a year
- $4,2842026 tax year
- Parking
- 4none
- Days on market
- Members
The brief
About 401 Elgin St St
401 Elgin St St is a 3+1-bedroom, 2-bathroom detached house in O'Neill, Oshawa, listed for sale at an asking price of $724,000 (MLS® E13604454).
Very Well Kept North Facing Detached House In Quite Neighborhood Of Oshawa. This House Features 3 Bedrooms Above Ground & 1 Bedroom In Basement.Room On Main Floor For Convenience. Upgraded White Kitchen Cabinets. Upgraded Doors. Potlights & Living Area. Basement Features Side Entrance, 1 Bedroom, Kitchen & 3 Piece Washroom. Owned Hot Water, Newer Furnace, Vinyl Windows. Updated Upstairs Bathroom. New Basement Flooring (2021), Deck In Backyard (2023). New Extended Driveway, 4 Car Parking Spots. Enjoy BBQ In Huge Backyard With Your Family. Nestled In A Prime Oshawa Location Close To Schools, Parks, Shopping, And Transit,Costco. This Move-In-Ready Gem Is A Must-See.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even52/100−$286/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 32 detached homes with 4 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
- $4,284 / 2026
- MLS® number
- E13604454
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 46 x 106.5 ft
- Listed on
- Parking
- None, 4 Parking
Property details
Property
- Property Type
- Detached
- Style
- 1 1/2 Storey
- Community
- O'Neill
- Municipality
- Oshawa
Building
- Size
- 700-1100 sqft
- Construction
- Brick
Inside
- Bedrooms
- 3+1
- Bathrooms
- 2
- Bathroom Details
- 1 × 3pc Upper, 1 × 3pc Lower
- Basement Type
- Finished
- 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
- 46 ft
- Depth
- 106.5 ft
- Lot Size
- 46 x 106.5 ft
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- S/S Fridge, Stove, Dishwasher, Washer, Dryer. White Stove, Fridge, Washer & Dryer In Basement. Hot Water Tank Owned.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Laundry | 2.31 × 4.07 m | — | Lower |
| 3rd Br | 2.57 × 3.09 m | Laminate, O/Looks Backyard, Closet | Main |
| 2nd Br | 2.73 × 3.44 m | Closet | Upper |
| Kitchen | 3.04 × 5.34 m | W/O To Deck, O/Looks Backyard, Laminate | Main |
| Rec | 3.08 × 5.24 m | Broadloom | Lower |
| Living | 3.7 × 4.64 m | Large Window, Formal Rm, Laminate | Main |
| Primary | 3.45 × 4.26 m | Closet | Upper |
Listing history
Buy/sell history for 401 Elgin St 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 | $724,000 | N/A | Pc | E13604454 |
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
- $144,800
- Total mortgage amount
- $579,200
- Total interest payment
- $412,000
- Total purchase cost
- $1,136,000
- Mortgage payment
- $3,304/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
27%Monthly carrying cost
$3,661- Rent $3,375
- Shortfall $286
Rental income opens at $3,375, the median asking rent of 32 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
- $10,955
- Total land transfer tax
- $10,955
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $6,955
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 $724,000
- $6,480
- Ontario total
- $10,955
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
- 4,899 sq ft455 m²
- Street frontage
- 46 ft14 m
- Depth
- 106.5 ft32.5 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 conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 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: 3.0 km3 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 (30 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
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 6% 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 | 4.7 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 |
|---|---|---|---|
| Coronation Public SchoolDurham DSB | Public · grades JK–8 | 300 m | 71%Grade 6 average |
| Sir Albert Love Catholic SchoolDurham CDSB | Catholic · grades JK–8 | 800 m | 69%Grade 6 average |
| Walter E Harris Public SchoolDurham DSB | Public · grades JK–8 · French Immersion | 1 km | 81%Grade 6 average |
| ÉÉC Corpus-ChristiConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–6 | 3 km | 76%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| O'Neill Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 1.2 km | 49%Grade 9 math |
| Eastdale Collegiate and Vocational InstituteDurham DSB | Public · grades 9–12 | 1.4 km | 35%Grade 9 math |
| Monsignor John Pereyma Catholic Secondary SchoolDurham CDSB | Catholic · grades 9–12 | 2.9 km | 38%Grade 9 math |
| ÉSC Saint-Charles-GarnierConseil scolaire catholique MonAvenir | French-language Catholic · grades 9–12 | 8.6 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.