280 Division Street
O'Neill, Oshawa
$499,999
Fully renovated 1.5 story detached brick home, 40 x 100 ft lot in central Oshawa. New flooring and pot lights throughout, carpet free. Widened staircases with wood banister and iron spindles (2026), updated windows (2026).Covered front porch. New kitchen with white cabinetry, quartz countertops, custom backsplash (2026). Stainless steel fridge, stove, and dishwasher included (2026). French door walkout from dining to new rear deck. Upper loft adds flexible bonus space. Detached garage with new garage door (2026).Basement: sump pump installed (2025), bathroom with shower roughed in (2025). New owned furnace installed (2025).An ideal opportunity for first time home buyers and first time investors alike. Basement setup offers in-law suite or rental income potential to help offset your mortgage from day one. 10 min to Ontario Tech and Durham College. 10 min to Oshawa GO. Short walk to Costco, Shoppers Drug Mart, Dollarama, LCBO, and tons of diverse restaurants.
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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | Not available |
| Size | 700-1100 sq. ft. |
| Property Tax | $3,750 |
| Lot Size | 40 ft x 100 ft |
| mls© Number | E13590804 |
| Listed By | ORIGIN COLLECTIVE REALTY LTD. |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
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Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,559
- Property tax
- $313
- Heat allowance
- $150
- Housing costs
- $3,022 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$93,000
gross annual household income
- Payment at 4%
- $2,104 / mo
- Cash down
- $100,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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