Loading neighbourhood intel…

$480K · 2 bed Condo Apartment · Unit 102, 120 Elgin Street, Oshawa, Ontario L1G 1S7 | HomeSearchCanada

$479,900

Unit 102

52 DOM

2152d

Map

DOM 52

$479,900

DOM52days

Unit 102

120 Elgin Street · Oshawa · Ontario L1G 1S7

MLS® E13565916 · O'Neill · L1G 1S7

21Vacant1000-1199 ft²Condo Apartment1-car UndergroundNo basement52d$436/ft²$3,217 tax/yrNo basement

52 days on market

About this home

Welcome to this beautifully maintained condo offering over 1,000 square feet of comfortable living space in one of Oshawa's most desirable buildings, where opportunities to own are few and far between. Bright and inviting, the open-concept layout is enhanced by updated flooring throughout and offers plenty of space to relax or entertain. The spacious living and dining area flows effortlessly to an oversized private balcony, where you'll enjoy peaceful west-facing views over the Oshawa Valley Bot…

Reserved · coming next

HomeSearchCanada exclusive

Reserve your Home Buyers Package

Could save you thousands on this purchase — closing strategy, negotiation & rebate.

MyStreetValue™ Analysis

Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →

Property details

MLS#: E13565916
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Property features: Hospital, Park, Place Of Worship, Rec./Commun.Centre, Golf, Public Transit

View: City, Clear, Creek/Stream, Garden, Meadow, Park/Greenbelt, Skyline

Condo corp #: 53
Balcony: Open
Locker: None
Association amenities: Game Room, Party Room/Meeting Room, Visitor Parking, Elevator, Bike Storage
Fees include: Parking Included, Heat Included, Water Included, CAC Included, Building Insurance Included, Hydro Included, Common Elements Included, Cable TV Included
Pets: No

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Concrete · Controlled Entry, Landscaped
Fronting on: —
Cross street: Adelaide / Simcoe
Stories: 1
Utilities: —
Laundry: In Building, In Hall, Multiple Locations
Interior: Intercom, Primary Bedroom - Main Floor
Parking features: Underground

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX Jazz INC.

Source: TRREB/PROPTX · MLS® E13565916

Do you own a home in Oshawa?

Find out what it's worth — and what you'd walk away with after mortgage, commission and fees.

Get My StreetValue™ →

$480K

Unit 102 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $479,900✓ $3,217 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,549/mo

incl. closing costs (yr 1)

Annual total

$54,592

year 1

Mortgage only

$1,821/mo

principal + interest

Beyond mortgage

$1,764/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$95,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$268/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,799/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)$66/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $21,847/yr

Property taxes17% $9,290/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,799/yr

Condo fees17% $9,497/yr

Closing costs9% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,847	$1,821/mo
Government & taxes
Property tax	$3,217	$268/mo
Land transfer tax(closing)	$6,073	$506/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,799	$400/mo
Condo fees
Condo / HOA fees	$9,497	$791/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	$54,592	$4,549/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 102

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

Request a Showing

Request a Showing

Annual costs