$747,000 - 108 Division Street, Oshawa
Detached for Sale in Oshawa
Popular ListingNeighbourhood: O'Neill
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- MLS Number
- E13819914
- Property Type
- Detached
- Status
- active
- Days on Site
- 14
- Bedrooms
- 2
- Bathrooms
- 2
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- Oshawa
- Taxes (2026)
- $4,553
- Listing Brokerage
- Keller Williams Energy Real Estate
*****LEGAL DUPLEX***** Welcome to this legal 2-unit home offering exceptional income potential or versatile multi-generational living, ideally located just steps from shopping, everyday amenities, and public transit.The main-level unit features a bright eat-in kitchen with a direct walkout to the private back deck and yard, accompanied by a comfortable living room and a spacious main-floor bedroom.The sprawling upper unit spans the top two levels, starting on the second floor with a second eat-in kitchen, a sunlit living room, a dedicated laundry room, and a bedroom equipped with convenient his-and-hers closets. Moving up to the third level, you will find a versatile loft space that functions beautifully as an expansive retreat.Out front, enjoy excellent curb appeal complete with a welcoming front deck and parking for up to 3 vehicles, along with a detached garden shed in the back for extra storage. A turnkey property offering rare versatility and strong rental potential in a prime, walkable location. Main floor is tenant occupied. Upper unit is vacant.
Estimate your monthly payments for this property
Estimated Payment
$3,832.50/mo
Includes CMHC insurance ($20,841)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover O'Neill
O'Neill is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in O'Neill
- •Convenient location in Oshawa
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
O'Neill offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
108 Division Street, Oshawa
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $498/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Detached Home Advantages
Detached homes in Oshawa are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
About O'Neill
I know O'Neill well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.
Investment Perspective
Looking at this as an investment: Oshawa properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $3,113 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.