$599,900 - 652 Hortop Street, Oshawa
Detached for Sale in Oshawa
Popular ListingNeighbourhood: O'Neill
- MLS Number
- E13490812
- Property Type
- Detached
- Status
- active
- Days on Site
- 12
- Bedrooms
- 3
- Bathrooms
- 1
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- Oshawa
- Listing Brokerage
- EXP REALTY
Built in 1927 and rewired for modern living, this brick 1.5-storey sits on a deep 40 by 118 foot lot in an established north Oshawa pocket close to both DR S J PHILLIPS P.S. and O'NEILL C.V.I. Hardwood floors run through an open living and dining room lit by pot lights and oversized windows. A contemporary staircase with a black spindle railing climbs to a vaulted upper level: a flexible 22-foot loft for a home office, media room, or sitting area, plus an adjoining bedroom. The kitchen has been refreshed with pot lighting, a deep stainless sink, a white subway tile backsplash, and clean white cabinetry. Two main-floor bedrooms sit beside a renovated four-piece bath finished with a backlit mirror, new tile, and updated lighting. Outside, a fully fenced and private backyard gives you room for gardens, a patio, and quiet evenings, served by a long private drive and a detached garage. The big pieces are done: the home was rewired with a new breaker panel, with a furnace from 2021, central air from 2016, and roof shingles from 2019. The unfinished lower level holds the laundry and generous storage. You are close to Alexandra Park, Lakeridge Health Oshawa, Simcoe Street groceries, and several schools, with the Oshawa GO Station and Highway 401 a short drive south.
Estimate your monthly payments for this property
Estimated Payment
$3,077.80/mo
Includes CMHC insurance ($16,737)
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.
652 Hortop 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 $545/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.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
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 $2,500 (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.