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O'Neill, Oshawa
$849,900
Lovingly maintained by its original owners, this custom-built detached home offers a rare combination of space, comfort, character, and natural beauty. Set against the peaceful backdrop of a beautiful creek, this spacious 5-level backsplit provides an inviting layout with room for the whole family and exceptional potential for the future.The generous living room features a walkout to the deck, offering a wonderful place to relax, entertain, and enjoy the tranquil creek views. The second level offers 4 spacious bedrooms with new carpeting and hardwood flooring underneath. The entire home has been freshly painted, creating a bright and welcoming atmosphere, while the kitchen has been updated with new tile flooring and a modern induction stove.The finished lower level offers exceptional versatility, featuring a separate entrance, 3-piece bathroom, rough-in for a kitchen, a large recreation area with a gas fireplace, and a spacious bedroom with a large window. This flexible space presents excellent potential for a self-contained one-bedroom apartment, subject to applicable approvals, making it ideal for extended family, guests, or future rental possibilities. Enjoy the outdoors from the wrap-around balcony and deck, both offering peaceful spaces to take in the beautiful creek setting. The surrounding greenery creates a serene atmosphere and a wonderful sense of privacy. Ideally situated close to schools, parks, shopping, everyday amenities, and major highways, this home offers the perfect balance of peaceful surroundings and everyday convenience .Additional details include a rental hot water tank at approximately $24/month and a brand-new rental furnace at approximately $164/month. A rare opportunity to own a spacious and thoughtfully maintained custom-built home that has been cherished by the same original owners for years, offering a wonderful place to call home today and tremendous potential for tomorrow.
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| Type | Detached |
| Style | Backsplit 5 |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $5,717 |
| Lot Size | 60.21 ft x 105.06 ft |
| mls© Number | E13832588 |
| Listed By | HOMELIFE SUPERSTARS REAL ESTATE LIMITED |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,350
- Property tax
- $476
- Heat allowance
- $150
- Housing costs
- $4,977 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$153,000
gross annual household income
- Payment at 4%
- $3,577 / mo
- Cash down
- $169,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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