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New4 days ago

474 Adelaide Avenue E

O'Neill, Oshawa

$699,000

Detached|Backsplit 4
4 | 2 | 5
About this home

This spacious 4-level backsplit offers a surprisingly generous and versatile layout, with thoughtful updates throughout and plenty of room for everyday living, entertaining and working from home. The beautifully renovated kitchen (2015) is the heart of the home, featuring quartz countertops, a huge centre island, pot lights and an open-concept design that flows seamlessly into the living and dining areas. Upstairs, the primary bedroom was originally two bedrooms and has been opened up to create one large primary bedroom with plenty of closet space. A skylight over the stairway brings additional natural light into the upper level, and custom blinds are found throughout the home. Both bathrooms feature heated floors, adding a practical comfort to the space. The versatile lower level offers two additional bedrooms, while the finished basement provides even more living space with a comfortable recreation room and separate office-ideal for working from home, hobbies or additional family space. Outside, enjoy a newer deck overlooking the fenced backyard on a generous 50 x 115 ft lot. The attached garage is insulated and wired with 60-amp service plus a 240V heater-great for a workshop, hobbies or extra usable space. Major improvements include most windows updated in 2020, 200-amp electrical panel (2019), eaves (2024), deck approximately 3-4 years old and roof (2012). Conveniently located in Oshawa's established O'Neill neighbourhood, close to schools, parks, shopping and everyday amenities, with public transit right along Adelaide for easy connections throughout the city. A practical, well-maintained home with a flexible layout, mature lot and plenty of space for a growing or multi-generational household.

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Contact Jonathan directly.

agent
Jonathan Lee
(647) 983-0770
TypeDetached
StyleBacksplit 4
Approx. Age51-99
Size700-1100 sq. ft.
Property Tax$3,947
Lot Size50 ft x 115 ft
mls© NumberE13861508
Listed ByRoyal Heritage Realty Ltd

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Schools

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$3,578
Property tax
$329
Heat allowance
$150
Housing costs
$4,057 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $139,800
25-yr amortization

Income needed

$125,000

gross annual household income

Payment at 4%
$2,942 / mo
Cash down
$139,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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