238 Mary Street N

O'Neill, Oshawa · MLS® E13495798

525

House · Multi-family · 120 days on market

listed by USMAN ALI, RE/MAX ACE REALTY INC.

realtor's description

Legal two-storey duplex located in Oshawa's sought-after O'Neill neighbourhood, offering a prime investment property or ideal owner-occupied income opportunity. This legal two-unit home features two self-contained units, each with separate entrances, separate driveways, private kitchens with dishwashers, and in-suite laundry. The main floor unit includes 1 bedroom plus den and one full washroom, while the upper unit has been recently upgraded and offers 2 bedrooms plus den and one full washroom, featuring new laundry appliances, new dishwasher, upgraded LED light fixtures, and new bedroom closet doors. Both units are equipped with central air conditioning and forced-air heating with individual heat sensors, providing efficient climate control. A turnkey duplex in a high-demand rental area, close to schools, transit, shopping, and amenities, making it an excellent opportunity for investors, first-time buyers with rental income, or multi-generational living in Durham Region.

property details

type: House, Multi-family
bedrooms: 5
bathrooms: 2
parking: 5
property tax: $4,619 / yr
days on market: 120
MLS®: E13495798

features

Washer
Stove
Dryer

monthly cost

$3,866/mo

Mortgage $3,481 · Tax $385

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$3,481/ monthly

loan $639,200

25-year amortization

down payment20% · $159,80020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 24, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $405,150
cash to close: $159,800; down payment; transfer tax and fees not included
total paid: $1,044,350

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer.