$396K · 1 bed Condo Apartment · Windfields, Oshawa

Loading neighbourhood intel…

About this home

Welcome to Suite 622 at UC Tower 3 - a brand new, never-lived-in 1-bedroom, 1-bath suite built by award-winning Tribute Communities, located in the heart of North Oshawa's vibrant and well-established community. This move-in ready, south-facing suite features a bright open-concept layout with floor-to-ceiling windows that fill the space with natural light, along with a spacious balcony offering beautiful south-facing views. Enjoy modern laminate flooring throughout, sleek quartz countertops, sta…

Property details

MLS#

E13149460

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

Approx. New yrs

Occupancy: Vacant
Washrooms: 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Hospital, Public Transit, Rec./Commun.Centre, School, School Bus Route

Building name: UC Tower 3
Condo corp #: 422
Balcony: Open
Locker: None
Association amenities: Community BBQ, Concierge, Elevator, Exercise Room, Game Room, Guest Suites
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Simcoe St N & Winchester Rd
Stories: 6
Utilities: —
Laundry: Ensuite
Interior: Built-In Oven, Carpet Free, Countertop Range
Parking features: None

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $395,990✓ $0 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,392/mo

incl. closing costs (yr 1)

Annual total

$40,700

year 1

Mortgage only

$1,502/mo

principal + interest

Beyond mortgage

$1,063/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,198

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$3,960/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$25/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,415

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $18,027/yr

Property taxes11% $4,415/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $3,960/yr

Condo fees9% $3,638/yr

Closing costs13% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,027	$1,502/mo
Government & taxes
Land transfer tax(closing)	$4,415	$368/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,960	$330/mo
Condo fees
Condo / HOA fees	$3,638	$303/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$40,700	$3,392/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

Unlock Insider Deals

Sign in

Unit 622

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Request a Showing

Request a Showing

Annual costs